BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: The Receivable Management Services LLC
State: AR
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/XXXX I submitted a dispute with XXXX about an account with XXXX  receivables llc. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!

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 2023-05-23
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/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 2022-01-19
Company: EQUIFAX, INC.
State: KY
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 noticed several hard inquiries on my XXXX and Equifax XXXX XXXX that do not belong to me. Ive reached out to the creditors as well as XXXX amd Equifax informing them they were fraudulent and no one helped me. Just gave me the run around. 

Unauthorized Hard Inquiry Listed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Factual Data - XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquires Listed on Equifax XXXX XXXXXXXX XXXX USA XXXX XXXX XXXX XXXX XXXX XXXXk XXXX XX/XX/2021 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
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:
A personal loan was applied for and distributed fraudulently in my name on XX/XX/XXXX. I do not have access to any of the accounts involved. I have contacted the credit bureaus and the original furnisher and received a response from XXXX on XX/XX/XXXX. They also requested a copy of my ID and bank statements via email on this date. I submitted the documents that were required from me on XX/XX/XXXX. On XX/XX/XXXX, I received a confirmation that my inquiry is being investigated. I have yet to receive a response from 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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: EQUIFAX, INC.
State: OH
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. XXXX XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Tenaglia & Hunt, PA
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I reached out to my bank as I noticed a total of {$7500.00} was deducted from my account. They informed me it was a garnishment of wages and gave me the number associated with the charge. 

The next day, XX/XX/2023 at XXXX am, I had called Tenaglia & Hunt ( as suggested by my bank ) at which I informed them regarding the amount deducted from my account. Upon checking their system using my social security number, they informed me there was no information on file associated with my informationp and to reach back to my bank. I had called my bank again at which they informed me it was a debt collection which is concerning to me as I have no debt. I have called Tenaglia & Hunt to clarify and rectify the situation but have been sent to voicemail each time. Since my initial call with Tenaglia & Hunt l, they have been surprising unavailable and not returning my calls. 

I would like to rectify this situation being that their system has no recorded of debt owed and was caused myself emotional distress/ uncertainty with my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}

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 explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I wrote the credit Bureaus on XX/XX/XXXX and XX/XX/XXXX of XXXX. I have heard absolutely nothing from them at all. Im XXXX too because there is a bunch of nonsense that im trying to clear up thats so bogus on my credit report and I cant get it cleared up because they wont respond. Like what the heck am I suppose to do. This is against the law what they are doing and I want this matter investigated to the fulles extent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Atlanticus Services Corporation
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off my entire credit card balance with Fortiva, closed the account and yet the company says I owe money for an annual fee ( {$29.00} ) and for a monthly maintenance fee ( {$12.00} ) they charged me after I closed the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX
RE; RightPath Servicing
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

THEY TRIED TO HELP ME AFTER I TOLD THEM THAT I LOST MY JOB DUE COVI9 ON XXXX XXXX XXXX.  THEY OFFERED ME FOREBEARANCE PLAN WHICH I ACCEPTED.  IT WAS JUST LIKE A SET UP FOR ME TO LOSE MY HOME.  ON XXXX XXXX MY FOREBEARANCE PLAN WAS EXTENDED FOR SIX MONTHS THEN FOR XXXX XXXX XXXX RIGHTPATH SERVICING IS DEMANDING THAT I PAY STARTING XXXX XXXX XXXX MONTHLY PAYMENT MUCH MUCH HIGHER THAN THE MONTHLY PAYMENTS THAT I WAS EXPECTING BESIDES THE HOME INSURANCE WHICH WILL BE EXTREMELY HIGH.  ON XXXX XXXX I WAS CURRENT WITH MY MORTGAGE PAYMENTS.  SO IT JUST LOOKS LIKE WE THE PEOPLE ARE LOSING OUR HOMES IN A MASSIVE WAY.  SO HELP ME TO KEEP MY HOME BY GIVING ME AN ADDITIONAL 12 MONTHS FOREBEARANCE EXTENTION.  I HAVE BEEN PAYING MY MORTGAGE FOR 35 YEARS. RASING MY CHILDRE AS A SINGLE MOTHER. I AM A XXXX CITIZEN NOW I NEED MY HOME TO STAY.  THAK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX has reported to the credit bureaus that I was 30 days late on my XX/XX/2020 Mortgage payment. I was not 30 days late on my XX/XX/2020 payment. The XXXX XXXX has even confirmed this information. However, The XXXX XXXX has not contacted the credit bureaus to correct the error as this is the most efficient way to fix the error and get in compliance with the FCRA. My XXXX 2020 payment is showing 30 days late on both my XXXX and Equifax report. This needs to be updated as on time ASAP. This error in reporting is causing a delay in my new mortgage application. All XXXX XXXX XXXX needs to do is contact XXXX and Equifax and update the XXXX 2020 payment as on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: SERVISFIRST BANCSHARES, INC.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
To whom it may concern on Friday XX/XX/XXXX I picked up a check from a company that I do XXXX  work. It was for XXXX dollars. I went to servifirst bank to cash the check and pay my XXXX as I have done every Friday for almost 2 years. I was not on the jobsite for the week of the XX/XX/XXXX through the XXXX due to being at home XXXX with XXXX. On Friday XX/XX/XXXX when it was time for me to pick up my payroll check to pay my subs from the company I have been doing work for, I was informed that they received a call form XXXX at that back and I had left with an extra XXXX dollars and that if I did not go into the bank and pay the XXXX back that day that I would be arrested and that other bank employees would lose their jobs. The called the company that I worked for and told them that I had knowingly left with the money. I counted my money twice and even though the teller had given me an extra XXXX you clearly see me push the money back over to him and tell him there was too much money. I left the bank with the exact amount of the check that had been written to me by peridiso minus the XXXX  dollar check cashing fee. When I went into the bank on the XXXX they told me that I could only see partial footage and for anything more I would need a suponea but they let the companys owner I sub for be present. I along with XXXX of my employees are now out of a job due to this. Please tell me how I can get this resolved and get my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
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 reached to this company several times in reference to the many errors on my report. They never responded. I didn't receive any letters in regards to my concerns. I can't even get a job due to the inaccurate items reporting on my account that are affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: PA
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 am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. 
I recently received a notice from XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/, regarding an alleged debt in the amount of {$2200.00}. However, I want to emphasize that this account is not mine and has never belonged to me. 
I have several reasons to believe that this account is an error, including but not limited to : 1. Identity Verification : The account in question does not match any transaction or credit history associated with my personal information. I have verified my records thoroughly, and there is no history of any dealings or financial agreements with the creditor stated in your notice. 
2. Lack of Supporting Documentation : The information provided to me lacks any concrete evidence or documentation supporting the validity of the debt. I have not entered into any agreements with the alleged creditor, and I request that you provide detailed documentation verifying the legitimacy of the debt. 
3. Potential Identity Theft : Given the absence of any record related to the mentioned account, I am concerned that this may be a case of identity theft. I urge you to investigate this matter promptly to prevent any further misuse of my personal information. 
I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to : 1. Cease any and all collection activities related to this account.

2. Remove any negative remarks or entries related to this disputed account from my credit reports. 
Furthermore, I request that your agency conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the debt, including any signed agreements or documents demonstrating my obligation to pay. 
2. Details of the original creditor, including their contact information and the original account number. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am currently in XXXX therefore I put the loans I have with XXXX XXXX in forbearance. I received an alert notifying XXXX XXXX is reporting my accounts delinquent When I contacted XXXX XXXX they assured it was a mistake and that the information would be corrected and updated. While I have seen the account has been updated with XXXX it is still reporting on the other credit bureaus as late/delinquent which is harming my credit tramendously.

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 2019-05-08
Company: Kriya Capital, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received multiple calls from Credence Resource Management regarding a debt with XXXX that I did not owe, even after explaining to them the debt wasn't mine. 

The company allegedly showed a debt in the amount of {$560.00} for service at an apartment building I hadn't lived at for 5-6 years and that prohibited installing satellite dishes on its roofs. After I explained this to them, they claimed to have removed my telephone number from their records, but they did not. I received several calls from the date they claim to have removed my telephone number ( XX/XX/XXXX ) until the date I submitted a complaint with the XXXX XXXX XXXX ( XX/XX/XXXX ).  Whenever I have spoken to a representative from Credence Resource Management, I advised them I haven't ever had XXXX at that address or any address and that the years of service in question ( mid XXXX ) were after I had moved out of that apartment. Each time, the representative advised he or she would remove my number from their records, but they didn't do that until I spoke to a supervisor advising I had spoken to XXXX and they confirmed I have never had it at any address. 

Credence Resource Management has also claimed to have sent me written proof of the debt in question, but I have never received it, and they have yet to request my current address to comply with their legal requirements. Additionally, if the debt in question was incurred in mid XXXX, they failed to comply with the law by waiting until XX/XX/XXXX to say they sent me validation of the debt. 

Furthermore, they advised me to file a police report for identity theft during one of my final telephone calls with them. However, the debt in question never appeared on my credit report, where I have automatic reporting updates with any change in said report. As such, it makes no logical sense to file a police report for identity theft when there is no proof my identity was compromised. 

Credence Resource Management has apologized through my XXXX  complaint, but maintains they have done nothing wrong. In my research on the matter, I have determined they have violated federal law at least once with their attempts to collect a debt the company for which they claim sent them the account to collect upon advised I did not have an account in the first place. 

I have attached a copy of my XXXX complaint for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account was frozen back in 2016

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 2022-01-24
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation