BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-17
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credence ( a collection agency ) contacted me about a debt owed on an account with XXXX XXXX XXXX XXXX XXXX XXXX over the phone a few months ago. Note that they verified my address but they verified the wrong address. I simply corrected them having no experience with debt before. They did not notify me of a letter I was suppose to receive or should have received to dispute or verify this debt. It may very well be true that they sent a letter to the wrong address they previously had on file. If that is the case, I am not at fault. I did go to the hospital so I thought the collection was just. The only bill I got was from XXXX XXXX XXXX for a total completely different from the debt collectors, with no notice that I would be hearing from another company regarding debt. I told Credence I will call them when I come to a resolution with XXXX XXXX. That was months prior to this writing. Today, XX/XX/2019 at XXXX I received an answered their phone call to collect debt. They got the address correct this time. They were demanding full pay or pay over 3 months. The manager pointed out my age and how this would not be a " good look '' for me, since I said I was unable to pay. Now that I know my rights, I feel that was a threat. He then proceeded to tell me to go get a profit loan, ask my mom, or use a credit card. In fear, I used a credit card and coughed up XXXX $ of which I do not have being a XXXX XXXX XXXX. All if this is just information. The main thing I am submitting a complaint for is never receiving a written notification of debt, ever! Even after I gave them my correct address, I never received a notice of any kind in the mail and was never informed of the ability to dispute. How am I supposed to know the collection is verifiable if I don't get a letter? Again, they may have sent the letters to the previous address they had on file, but if that is the case I should not be held accountable. I didn't even receive a call from XXXX XXXX before it was sent to get collections. During the call today at XXXX I was told I would receive an email regarding my account. I HAVE NOT RECEIVED AN EMAIL and its XXXX. Bottom line Ive never received a written ( or electronic ) billing or billing statement from Credence or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
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 am writing to express my concern and frustration regarding my recent dispute to correct a late open account on my credit report. Despite my initial attempt to rectify this issue, it remains unresolved, and I urge you to take immediate action. 

I submitted a dispute with your organization to address an erroneous late open account on my credit report. I provided comprehensive evidence supporting my claim, including documentation that verifies the inaccuracy of this information. However, it has come to my attention that the late open account still appears on my credit report. 

I insist that this matter be addressed urgently, as the presence of this late open account is causing significant harm to my financial life. It has unjustly lowered my credit score, affecting my ability to access loans, credit cards, and other financial services. I am entitled, as a consumer, to have a credit report that accurately represents my financial history.

I request the following actions to be taken promptly : A thorough and expeditious reexamination of the late open account in question.

Immediate removal of the inaccurate information from my credit report. 
A formal, written explanation of the corrections made to my credit report. 
I trust that you will treat this matter with the urgency and professionalism it deserves. Failure to address this issue promptly may compel me to take legal action to protect my rights as a consumer. 

Enclosed with this letter, you will find copies of the evidence I previously submitted during my dispute for your reference. Please acknowledge receipt of this complaint within 15 days and inform me of the steps being taken to resolve this matter. I am asking for your assistance to correct this account : XXXX XXXX XXXX : {$470.00}.

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: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Granite Creditors Service, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a medical company. Sent me horse ointment which was not authorized by XXXX  and I can not return and wants me to pay. This is wrong. This is for the horse not human being please dispute people in the granite credit are rude and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Today XX/XX/23 i went online to the banksters website : V.W. Credit to get a payoff quote their website refuses to provide me with this information which is readily available to them, instead refers me to any V.W. dealer, its apparent they want to make this really difficult almost impossible to attempt to fraudulently force me into staying with this sorry customer service brand ( V.W. ) So i go to my local V.W. dealership in FL called XXXX XXXX. a very nice gentleman by the name of XXXXSales Mgr tells me he can not provide that information unless i leased the XXXX with them how can this be? He says he does not know why he can not provide the info since its right in front of him & available. Instead im told to drive an hour north to the dealership i leased it from. This is totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: EQUIFAX, 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:
Please remove negative accounts are not belong to me. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 
I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Experian Information Solutions Inc.
State: LA
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:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NY
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 credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$160000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$1.00} XXXX XXXX XXXXXXXX Balance : {$3.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2022-02-11
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: Their investigation did not fix an error on your report

Complaint:
I had bankruptcy. We attempted to reaffirm a XXXX  XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX XXXX We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which XXXX and Experian also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our NC statute of limitations for debt collection! I tried disputing again but XXXX dispute center won't accept the PDF documents of our petition and discharge. Experian only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!

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 2023-11-06
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My mortgage was transferred to Mr. Cooper from XXXX XXXX in XX/XX/XXXX. Since that time they have not paid my taxes due to the XXXX of XXXX. I received my first late notice from the city in early XX/XX/XXXX, and immediately called Mr. Cooper. I submitted all of the information as directed via email to their escrow/tax subcontractor twice. They still have not paid my taxes ( I called the city this morning, XX/XX/XXXXXXXX and confirmed I am now two tax payments behind ). Mr. Cooper is continuing to charge me escrow. I have contacted Mr. Cooper on six separate occasions and they have not resolved the issue. Part of the issue may be because my condo has a new tax ID as of XX/XX/XXXX. However, all the documentation I provided to Mr. Cooper includes the correct tax ID and I have directly told them to check the tax ID in my communications. As of XX/XX/XXXX ( my third attempt contacting Mr. Cooper ) it is impossible to get through the phone tree to speak to a live person so I have had to use the " chat agent '' feature. On XX/XX/XXXX my case was escalated to a supervisor and I was given an email address for her. I immediately emailed her and provided all the documentation I had plus my written notes on the issue and my attempts to correct it. She responded to my initial email but has not responded since. 

Finally, in the course of all this I noticed that the amount I am charged for escrow is nearly {$100.00} more per month than is needed to pay my taxes. I have raised this issue but have not received a response from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: CA
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 havent used my credit in quite some time. I looked at my credit report recently and found several fraudulent accounts. They are listed in my identity theft affidavit.

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 2023-06-06
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
I am very concern because my credit report is showing discrepancies. I am very cindered consumer and want only true information about me reporting under Section 623 ( a ) ( 2 ). If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 

Different date of last activity in every single credit bureau. 
Account status/account still open/Charge off account can not be open. 
Date account was opened the account is different. 
Last payment date is not accurate with the other credit bureaus Court house also dismiss this case. That must be delete from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new vehicle on XX/XX/XXXX and it was financed with Ally Financial. The loan was paid off in full on XX/XX/XXXX which resulted in an over payment of {$950.00}. When I didn't get a check I called on XX/XX/XXXX they told me a check was cut and it would be 7-10 business day to mail. I called again on XX/XX/XXXX as I didn't get the check. Was told it would be overnight to me and I would get it in 1-2 days. Called again on XX/XX/XXXX was told check was not processed yet and another give it another 1 -2 days. Called XX/XX/XXXX was told check was cashed on XXXX, told them not by me and I needed a copy. Was told case was escalated to their executive office and someone would call me on XX/XX/XXXX @ XXXX. I did not receive a call. I called today XX/XX/XXXX and was told to give it 24 -48 hours before I could get any answer and a case # XXXX was given. Each time I called was a minimum of hold time of 45 plus minutes.

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 2023-04-25
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:
On XXXX XXXX XXXX XXXX XXXX XXXX I wrote transunion requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you make sure they are reporting 100 % accurate information from my credit report and request that you reply within a reasonable amount of time.

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 2018-08-16
Company: SYNCHRONY FINANCIAL
State: GA
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 contacted XXXX XXXX listed on my XXXX  credit report disputing the debt that they have reported on my credit file and requesting validation of such account as belonging to me made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 
XXXX XXXX has failed to respond to this validation request within 30 days from the date of my receipt, and I want this account to be deleted from my credit 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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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