BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
Hi I am submitting this 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 XXXX. 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: AmerAssist A/R Solutions, Inc.
State: NC
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:
I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the AMERASSIST AR SOLUTION, XXXX XXXX, XXXX XXXX and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to AMERASSIST AR SOLUTION and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX Now and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MA
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:
On XXXX XXXX, I sent an investigation letter certified ( XXXX ) ( XXXX ) ( XXXX ) to all bureaus to make sure all my accounts were properly investigated and completely accurate. These inaccuracies are severely affecting my credit rating resulting in denial in pursuit of purchasing a home and job denials while trying to take care of my family. Since you are supposed to remove ANY account that doesn't have the exact information on all 3 credit bureaus, please remove these detrimental inaccurate items immediately. 

the credit bureaus stated XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX were properly investigated but how is that possible when the date of last activity, account status, payment status, dispute status, date opened, high balance, last payment date, last verified, date last active close dates, are all wrong and still reporting inaccurately even after the investigation. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 604 A : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 lost my wallet and I am a victim of identity theft. I submitted a police report for fraud to the credit bureaus and no further action was taken.

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 2023-07-12
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:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-03
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Today I applied for new insurance My rate was terrible I called to ask why. They stated as I have enclosed proof that Lexis nexus added that I was at fault for an accident on XXXX I am enclosing the police report showing I am XXXX XXXX and its clear I was at a stop sign and was the victim. It was a 4 way stop and as youll see, I wa sitting still. 
Lexis nexus for XXXX years now, have added this to my insurance report, stating. I was XXXX fault. Costing me thousands and thousands I emailed them the police report immediately. 
Then called XXXXXXXX XXXX  later, she said that XXXX lied and it was never in my report. I told her I bet they were covering their tails after they saw the police report. She literally laughed at me and said it was never there. 
XXXX didnt lie, Im enclosing proof. 
By my calculations for XXXX years now, I have paid an extra XXXX XXXX a month on insurance for an accident that was never even my fault. They just decided to make a buck by reporting this. I have enclosed all documents My daughter and I as youll see on the police report were sitting still, a woman was texting and driving ( and she was arrested for that ) and slammed a truck into us, my back was very badly hurt and Im still hurt XXXX years later and this place has the gall to report false information Now, theyre going to lie and say it isnt there anymore after I called them out, after my email of the police report, they deleted it completely but you can clearly see todays date XXXX from XXXX insurance in the papers I attached where they sent them this information. Doesnt matter if they rushed to cover their tails and deleted it, the damage is done for six months with XXXX and they should have to pay for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
In response to Equifaxs response to Cfpb complaint # XXXX I am writing to dispute the accuracy of the information provided in your response to my complaint, which was submitted through the CFPB Complaint Portal. According to the provisions outlined in 15 USC 6801 and the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy and integrity of my credit file. 

In your response, you have requested that I submit a copy of my social security card, driver 's license, or an official document to update my name. However, I would like to clarify that my current name is accurately reported on my Equifax credit file, and no updates or modifications are necessary in this regard. 

Furthermore, you have mentioned that Equifax, CSC Credit Services, XXXX, XXXX, XXXX, XXXX, and XXXX inquiries are not provided to prospective credit inquiries and are factual records of companies accessing my credit file. While I understand the purpose of inquiries, I would like to emphasize that any unauthorized inquiries should be promptly removed from my credit file, as mandated by the FCRA. 

Regarding the trade lines mentioned in your response, specifically XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX , and XXXX, I dispute the accuracy of the reported information. It is my understanding that the FCRA requires accurate and up-to-date reporting of account balances, payment history, and other relevant details. I request that you conduct a thorough investigation into these trade lines and provide me with the supporting documentation from the original sources to verify the accuracy of the reported information. 

Additionally, you have stated that certain disputed items, including XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are not currently reporting on my Equifax credit file. However, I have reason to believe that these items should be present on my credit file, and their absence raises concerns about the completeness and accuracy of my credit report. 

Furthermore, your response regarding inquiries fails to address my concerns adequately. While I understand the purpose of inquiries and their retention periods as outlined in the FCRA, it is essential to ensure that all inquiries on my credit file are authorized and legitimate. I request that you provide me with a detailed list of all inquiries on my credit file, including the names of the companies that accessed my credit information, as well as their contact information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have reached out to the company and they stated that they would not remove it. 

Here are the inquires : XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-08
Company: Mountain Run Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called Mountain Run Solution put a derogatory mark on my XXXX and XXXX credit reports for the unpaid amount of {$880.00}. I've disputed this information. I do not and have not interacted with a company called XXXX XXXX XXXX. XXXX removed it, however XXXX DID NOT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All these accounts have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the past few months, I have made extra payments on my mortgage by including extra money with my monthly payment. Normally, when I would send extra money with a monthly payment, any money above my minimum payment would be applied to principle. In XX/XX/2020, I sent extra money, but this time it was used to make three minimum payments instead of going toward principle ( thus keeping my principle balance higher and forcing me to pay more interest ). This is also keeping my balance above the threshold at which I qualify to have my private mortgage insurance canceled. If all my funds had been applied to principle how I intended, my balance is low enough that my PMI should be canceled and the premium removed from my minimum payment. On XX/XX/2020, I sent a letter to the error department at TD Bank. I have only received confirmation of receipt, but the error remains. I called in XX/XX/2020 and the person on the phone assured me it would be taken care of. The error still remains. I should not have to pay any more PMI premiums. TD Bank is engaging in the practice of misapplying my payments to make me pay more interest and to keep me paying my PMI premium.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a loan with Tripointe Connect, a Loan Depot company. Due to an issue with my insurance agent, I had to use their affiliated loan company to close the mortgage on time. I was assured it wouldnt be an issue to switch insurance companies after the closing. Our mortgage closed on XX/XX/22, and we used the affiliated insurance company ( Tripointe Advantage ). I transferred to a new XXXX XXXX agent, and provided proof of a new homeowners policy on XX/XX/22. I have copies of the emails to our mortgage provider showing receipt and acknowledgment of the request of remove the monthly impound and that we canceled/changed our insurance carrier. I also spoke to a different Loan Depot employee on XX/XX/22 to confirm the removal of the insurance impound and to update my insurance policy information. Loan Depot refuses to remove the monthly insurance impound from my mortgage loan even though they acknowledged that the policy is no longer valid and they were informed it needed to be removed on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I moved to XXXX in XXXX and was an international student, and I had received a loan from SALLIE MAE with a co signer. 

Last summer ( XXXX ) I only was able to complete my first year, after I had XXXX life threatening experiences and no longer am in school. 

I am unable to make the repayments, and it is affecting my co signer and my credit, i need some help trying to resolve this. 

The loan amount was for 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 2022-07-08
Company: ECMC GROUP, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
ECMC/ XXXX XXXXXXXX XXXX XXXX XXXX has been previously notified to verify my account to be accurate and complete. I have noticed that ECMC has been violating my rights by reporting inaccurate and incomplete information on my credit report. ECMC is reporting different information to two different credit agencies for the same account.

ECMC has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that ECMC has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: Financial Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Financial Recovery services has been harassing me for a debt since XX/XX/XXXX but they didnt send me a validation notice until XX/XX/XXXX Notice # 1 : XX/XX/XXXX, FRS offered me a payment plan to repay a {$1700.00} debt. 

Notice # 2 : XX/XX/XXXX, FRS tried to give me a substantial discount on the debt. 

Notice # 3 : XX/XX/XXXX, FRS finally sent a validation notice letting me know I have 30 days to dispute the debt. 

Notice # 4 : XX/XX/XXXX, FRS stated that If i pay {$1700.00} the account will be considered paid in full. 

FRS has also changed the file number for this debt twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XXXX  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 explanation
Consumer complaint received 2023-05-08
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield is attempting to collect on a debt that is not owed. All of my bills were paid before exiting this apartment complex in 2018. I did not owe any remaining months as my lease was up and I decided to opt out and move. This is not the first time that I have heard of this complex selling false owed accounts to debt collectors, I just never thought it would happen to me. So, not only was I never contacted about this debt, I wasn't aware it existed until recently when I was denied moving into a new place and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened a credit card from JCPenny in approximately XX/XX/XXXX which at the time when the initial credit line was given the owner of the line of credit was GE Capital. I have faithfully paid for my credit balance since that time and even recently paid off the complete balance toward the beginning of this year XX/XX/XXXX. It was at this time when Synchrony Bank acquired the accounts from GE for all JCPenny accounts. I was recently notified after the fact that Synchrony Bank had closed my account without relevant reason and without provocation or even my consent or knowledge. Without my consent or knowledge they obtained my current credit score which is what they stated they used to determine to close my account which negatively affected my credit standing even further and again without provocation.

Company response to consumer: Closed with explanation