BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I pulled my consumer report as of XX/XX/2022, and notice that the following account has inaccurate information and needs to be updated immediately. 

XXXX XXXX and XXXX has the following errors : The date opened is different across the three consumer reporting agencies No of Months ( Terms ) is different across the three consumer reporting agencies The date last reported is different across the three consumer reporting agencies Date last active is different across the three consumer reporting agencies Two-year payment history has late payments but the status shows current and is different across the three consumer reporting agencies.

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 2017-11-22
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
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 have already sent a letter to the Experian bureau requesting the removal of the inquiries and inaccurate addresses reporting on my credit file but the inquiries and inaccurate addresses listed below are still reporting on my credit report and are violating Federal Law. XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these inquiries and inaccurate addresses completely from my Credit Report : 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 2023-12-01
Company: Experian Information Solutions Inc.
State: WI
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:
Subject : Formal Complaint Against Experian Information Solutions Inc. for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian Information Solutions Inc. for their failure to provide proof and a detailed description of the reinvestigation process, as required by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( 7 ) paragraph ( 6 ) ( B ) ( iii ) ; in which it states that a consumer reporting agency must provide a consumer with the description mentioned in paragraph ( 6 ) ( B ) ( iii ) within 15 days of receiving a request from the consumer for that description.

Despite my dispute submitted on XXXX Experian Information Solutions Inc. has not complied with the FCRA by refusing to furnish documentation and a comprehensive explanation of their reinvestigation process. I believe this non-compliance hinders my ability to address inaccuracies on my credit report. 

Enclosed are copies of relevant correspondence. I request the Consumer Financial Protection Bureau 's assistance in ensuring Experian Information Solutions Inc. adheres to the FCRA. Thank you for your prompt attention to this matter.

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 2023-12-01
Company: Resurgent Capital Services L.P.
State: CT
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 have contacted the company multiple times stating this account is not mine and has not been removed. Please remove this fraudulent account from my credit report. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXXXXXX XXXX Account number XXXX Date opened XXXX XXXXXXXX XXXX. I have attached errors in this information reporting on my credit profile. This information is incorrect and shouldn't be reporting. I have contacted you several times about this and you continue to violate my rights by reporting inaccurate information.The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-02-19
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:
XXXX, Equifax, and XXXX has repeatedly continue to report inaccurate information as verified which is a lie. My high balance on my credit report do not match. please review my credit report. Inaccurate information is not verifable. They are violating my rights due to 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. 

Delete these accounts from my credit report : XXXX : XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX, XXXXXXXX XXXX ( Original Creditor : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I submitted a complaint back on XX/XX/XXXX complaint # XXXX regarding Public records Case # XXXX and Case # XXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XX/XX/XXXX Transunion responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. TransUnion has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. 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 XXXXXXXX XXXX/ XXXX XXXX XXXX 


Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a Transunion supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation XXXX  XXXX verified these Public Records and told me its not them I need to contact they are placing blame on XXXX XXXX. Now here is the crazy part I provided documentation from XXXX XXXX after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against Transunion or XXXX if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth Transunion or XXXX but get the XXXX straight because yall are defaming my character, causing me emotional stress, XXXX XXXX and costing me time and money not only that but this is past violating the FCRA law.

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 2022-04-09
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During the home buying process, my lending company ( US Bank ) sent my home appraisal to the seller without my authorization and approval via email in which I received a courtesy copy of it on XXXX XX/XX/2022. When I questioned the loan officer about why my appraisal went to the seller, the loan officer replied he did it as a " courtesy ''. I have purchased and sold numerous homes and never once have I had a situation where my lender reached out to the seller providing them with any documentations as a " courtesy ''. In addition, a previous conversation with the Loan Officer when questioning about where the down payment would be coming from in the form of 25 % of the house, the loan officer stated that US Bank had to verify that i was not a " drug dealer '' which was offensive since i am a minority.

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 monetary relief
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
about 2 months ago i recived a copy of my credit report and i noticed severals accounts that listed of my report that i never apllied for never used

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 2023-01-22
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX contacted me offering XXXX internet, I explained there was no service in my area. They offed a unit and a phone on loan to test, I said okay. They sent me a XXXX internet unit and a cell phone, I tested both explained only had XXXX bars and they were dropping in and out, asked if they had a boosted they said not that would work. I said okay then I would like to return items as they are not good to me. Returns were set up and I repacked everything in original packaging printed out the return labels and dropped off at XXXX store. I received notice that items had been received okay. I then get a invoice for XXXX saying I owed them money, I contacted the sales rep he said he would take care of it, next month same thing a bill from XXXX for XXXX this time I emailed the sales rep he responded with " Absolutely, It's a quick fix '' next month same thing, I contacted him again, this time the response was " On it, sorry about that '' next month I get a letter stating if I do not pay they will turn me in to a debt collector, I call the main number spoke to various people eventually I was told it was resolved I owed nothing. Next month I get a letter from a debt collector for the XXXX I disputed the debt explaining what happened, they eventually responded stating XXXX has verified the debt. - What can I now do to fix this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had reported to Wells Fargo Bank that I was having difficulty with an employer and my direct deposit posting in XXXX of XXXX. I am on SS XXXX. I took a position that required more standing than similar jobs in past. It aggravated a condition my doctor took me off work til XX/XX/XXXX. I informed Wells Fargo of the job difficulties prior to the leave of absence. My difficulties started in XXXX of XXXX and the job begin to harass me after my doctor submitted accomodations in XX/XX/XXXX, in addition they cut my hours. All along I'm looking for another job. I kept the bank in the loop and was told by them my account was closed where the check was returned but it was not. Because a check was returned from another account where I have overdraft protection, where the direct deposit was to post. The jobs fault and the check was returned. I settled the issue. Never was I told I could have overdraft protection at Wells Fargo until last week. A check was returned before I was abruptly let go from my job while on medical leave because of the abrupt job lost. I was told I could make payments. I a made XXXX payment. I owed XXXX that's all. They have been charging my account XXXX a month knowing my situation. I called and told them I had found another job. They sent me 2 emails telling me I could have asked for overdraft but now its too late, but they never offered. Said I could make payments, took payments, closed anyway. I feel this is wrong. I had no control over my situation, I have and can document anything is this email. I don't even owe a lot of money and they are threatening to hurt me further and report me to some agency AND THEY OFFERED NO HELP TIL THEY WAS READY TO CLOSE THE ACCOUNT. NOT RIGHT. THIS IS WHAT THEY TOLD ME LAST WEEK. I HAVE ALL EAMILS FROM THEM.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2500.00}.

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 2023-03-06
Company: Medical Data Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medical Data Systems is reporting a collection account on my reports that I have disputed for some time now. I never received any notice of this debt or that it would be reporting on my credit reports. I have contacted Medical Data Systems regarding this account and have never heard anything back. Per the FCRA, the consumer must be notified of any accounts that will report on their credit reports and it is the responsibility of the consumer reporting agency to report accurate information. I am demanding that this account is deleted from my reports as they are in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : CITI Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$4000.00} Reason : Identity theft Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: IA
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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your XXXX credit reports. Account names and account numbers and file Your complaint with the CFPB

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 2020-09-16
Company: RoundPoint Mortgage Servicing LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was sold in XXXX of 2020 and our escrow refund has yet to be received. First roundpoint mortgage claimed they sent it to the wrong address and would resend. That was in XXXX and we still have not receive a check. I can not get a response from this company.

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 2018-02-19
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, XXXX and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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