BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-22
Company: DISCOVER BANK
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My ex husband forged my name and used my social security number and took out credit cards in my name starting from XXXX. He maxed out every credit card to {$35000.00}. He ruined my credit and Im just trying to raise my XXXX kids without any help and he doesnt have to pay for anything or take any action about it. Every credit card company has told me its all fair because its my name on the cards. I have a divorce judgement that says he is responsible for all of the credit card debt totaling {$35000.00}. Im just trying to move on with my kids and do right in society. I have always paid my bills on time. Im begging someone to help me with this matter. Its not fair. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know how this stuff got on my credit. I didnt sign up for none of these acounts. I never benefited from any of this stuff. My concern is also these inquiries, I want this stuff taken off my credit immediately. They have no right reporting things on my credit that I never had. REMOVE IMMEDIATELY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Experian Information Solutions 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:
In accordance with the Fair credit reporting act XXXXXXXX Account XXXXXXXX XXXX Account Number XXXXXXXX XXXXXXXX  Account Number XXXXXXXX XXXX Account Number XXXX XXXX & XXXX Account Numbers XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR 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. Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX CARD. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX. Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account XXXX : XXXX, has 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 XXXX 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 2023-04-22
Company: Kriya Capital, LLC
State: OH
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 filing a complaint with XXXX XXXX XXXX and Credence Resource Management. I sent my first verify dispute letter on XX/XX/2023 to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XX/XX/2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: LA
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:
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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.

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 2022-04-13
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX, I was laid off from my job and a few months later our home was destroyed in the California wildfires. After an initial denial by the servicer, we were granted forbearance, and when the forbearance ended in XXXX we were given a modified mortgage with no change in the rate. However, the company imposed an escrow for taxes. 

Because I had never had an escrow requirement in any previous mortgage, I requested that the escrow requirement be removed from the modified mortgage, but the request was denied, both at the time of the modification In XX/XX/XXXX and again this year, even though I had already paid the taxes for the year. The stated reason for the recent denial is that " Your mortgage has been modified. '' Incidentally, the same company had reported to the credit agencies that the mortgage was " delinquent '' at the time the forbearance was granted. After I provided evidence that it was not delinquent, they finally had to correct this with the credit agencies and our credit ratings immediately went up nearly XXXX points. 

Now, they insist on continuing to collect the escrow, even though the taxes have been paid in full. I believe this denial is arbitrary and perhaps punitive for the fact that I forced them to correct the credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was a XXXX XXXX customer for about 5 years then in XX/XX/XXXX I sold the house and moved into my parents home until we could buy a house I contacted XXXX XXXX to close my account out then about 2 months later I started receiving bills for disconnecting early I told them that I have been a customer for 5 years and that I had sold the home which had the service they said they would take care of it. then I started getting collection letters from a debt collector for {$240.00}, So I called XXXX XXXX asking why am I getting these letters they said it was turned over to a debt collector, So my information was illegally obtain by the debt collector. I told them I sold the house and no longer needed service there so they tried to get me to move my service to my parents house I told them my parents had cable and they said that since I didn't transfer my service I owe the debt. We purchased a home in XX/XX/XXXX the collections was still on my credit report but had been removed from my experian credit report. I hear about this action all the time but never told I would be part of it. So the damage is already done but my report should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-22
Company: Experian Information Solutions Inc.
State: NJ
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:
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible.

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 2020-02-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to make several attempts to pay on the card using the app. I believe there is a flaw in their system. The payment said received then weeks later it said rejected and I was never notified. I called customer service and was told to try again which I did which was also recjected. I then called my bank and paid with my debit card vs paying through my account and it finally went through. Everything seemed ok afterwards and was told there would be no worries. They then canceled my card because I missed 2 payments ( which is simply not the case ). I was told to reapply if I wish to have credit and that they would not reinstate my card. I find this to be absolutely ridiculous because I attempted to make the payment on more than one occasion.

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 2023-04-22
Company: Experian Information Solutions Inc.
State: OH
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 filing a complaint with Experian and XXXX XXXX XXXX. I sent my first verify dispute letter on XXXX XXXX, 2023 to Experian. On XXXX XXXX, 2023, I sent my second attempt to verify that the debt is indeed mine. The collection agency responded with an original contract that is not my signature and there is no date next to the signed signature. The signature reads " XXXX '' which is not my name nor my signature. On XXXX XXXX, 2023, I sent out a letter regarding the lack of accuracy provided with he original contract that the collection agency had sent me. The company ignored my response and did not provide any further proof of investigation. On XXXX XXXX, 2023, I had sent my third validation dispute letter to Experian stating that no further validated documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. Experian ignored my response and provided no reasonable method of verification on why they verified this debt.

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 2020-04-01
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I discovered that I needed new roof in XXXX of XXXX. Decided to employ XXXX XXXX. Home Insurance agreed and released partial payment to begin on XXXX XXXX. PHH Mortgage is the co. that has a reverse mortgage on our home. After many calls they finally released the funds for the roofers to begin work. The roof was completed XXXX XXXX, XXXX. I have been trying to get the mortgage to release final payment since they received the final payment from our home ins. They still haven't sent the money and every time I call I am given a different excuse. I have since decided to sell our house and was scheduled to close on XXXX. XXXX. I informed the mortgage co. of this and the request for payoff was made on XXXX, XXXX. The second request was made on XXXX. still nothing. I have attempted again today and got a different answer than Fri.The mortgage co. just refuses to pay for the roof or supply us with the payoff so we can close. The people purchasing our house refuses to wait past Mon. the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Experian Information Solutions Inc.
State: AR
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:
My mom informed me that I received a letter at her house where I use to live about a debt owed. I immediately looked into this debt and I do not owe child support. This person who owes this debt is not me. Someone has used my name and social security number to not own up to there own responsibility. I need this removed as soon as possible. Please get this unknown debt off my 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 non-monetary relief
Consumer complaint received 2023-09-19
Company: T.S. Holdings
State: AZ
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of a previous apartment complex on XXXX  and verified with the leasing agency I did not owe any security or damage fees. Since XXXX the leasing agency has not attempted to contact me via email, phone, or mail about any outstanding debts. After receiving a call from IQ data on XXXX  and being informed of an outstanding debt to this leasing agency of {$450.00} I stated I was uninformed of this and asked if I could return their call after verifying with the leasing agency. I was informed if I disconnected the phone call it would be marked as a failure to pay on my credit. I offered to provide a debit card number but requested the amount not be charged until XX/XX/ to allow reasonable time to contact the leasing agency to verify the debt. Immediately after providing my card number I was charged for the debt and told any disputes to said charge would take upwards of 5-7 days. I was given no reasonable opportunity or timeframe to verify this debt due to what appeared as a threat towards my credit score if I failed to provide payment before terminating the phone call. Afterwords I contacted the leasing agency about the matter and was told there is a possibility of a mistake and would need to wait for them to contact their accounting office to confirm or deny the debt

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX XXXX XXXX and on XXXX fixed income. I have had chase joint account with my husband for a few years. My husband eventually died on thanksgiving last year, XX/XX/2022. 
I notified everyone of his passing as soon as possible and here is where issues started. For some unknown reason Chase, locked up {$2500.00} of my funds, which of course I did not have, overdrawing my account and not allowing me to pay any bills. My daughter landed me the money, which Chase promptly locked up. No amount of calls, letters from XXXX or explanations, that XXXX does not want but {$600.00} of take back after my husbands death are helping. To make matters worse now XXXX stopped paying any money to me since it sees funds on account. Funds i cant use. Its a catch 22. XXXX sees money and wont pay anything and the bank stubbornly keeps a lock on the funds. As of today the bank completely locked all of my assets. Every penny I have even the funds my daughter landed me. 

What do you suppose a little old lady to do? i need that account unlocked! I need my XXXX income restored. I should be allowed to live in peace. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MD
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 have recently inquired about my account with XXXX XXXX  via CFPB in regards to my payment history till I discovered an error in payment reporting on my credit file. Equifax is reporting an invalid payment history ( XXXX was not recorded in my credit file which is a violation and needs to be removed immediately for violation of FCRA. Also would also attach credit report from XXXX, XXXX which shows XXXX being reported but Equifax isnt reported and shows or comes up at no data in my credit report and because of that, my credit has been messed up and Im barely being accepted for credit offers due to this being reported on my account. 
According to 15 U.S Code 1681i. According to XXXX. credit file it indicated that my account was positive till XXXX  XXXX and Equifax doesnt have no data recorded for my payment from start of creation to XXXX  XXXX when late payment reported as 30days late. Attached is documentation for evidence and according to Equifax, XXXX XXXX  ran a soft inquiry on my credit file and updated payment history without my authorization. Under 15 U.S. Code 1681i If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I am also in the process of filling a complaint with FTC for improper use of credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: OH
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 Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. XXXX bureau, XXXX has since removed the XXXX XXXX XXXX XXXX # XXXX, file since filing my last complaint on XX/XX/XXXX. XXXX once again verified the, '' XXXX XXXX XXXX '', account again on XX/XX/XXXX. Which contradict the other XXXX XXXX XXXX even went as far to update the XXXX XXXX XXXX XXXX a file they know is inaccurate. Even after I supplied the documents showing conflict between the three Bureaus so-called verified accounts. All three Bureaus still have not removed the XXXX XXXX XXXX # XXXX file. Even after their so-called verification and investigations which were never showed proving to be factual or accurate. Equifax violations total is 35, between the 3 accounts. XXXX violation total is 20, between the two accounts. XXXX total violations total 14 between the two accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with explanation