BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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: Public record information inaccurate

Complaint:
I have sent several letters to Experian advising them that one or more of the Dismissed bankruptcy on my credit file was not authorized ( has no signature ). I contact the United States Bankruptcy court to dispute the information directly and was advised to contact the credit bureaus, which I did on many occasions. ( See enclosed ). 
Each time that I send Experian letter to inquire about the unsigned dismissed bankruptcies on my profile. They send that same standard response. THE INFORMATION HAS BEEN VERIFED. It doesnt say how and who the information was verified with.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Remove all old addresses and name variations. 
I am afraid I may become a Identity Theft victim again. Please report only my name and current address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chime/XXXX finally sent my funds back to it sender a month ago but it took sixteen months to do so. Finally they sent it but when I called the senders they said " they don't see the funds ''. I called chime/XXXX  and asked them to give me the trace number but they still haven't not provided me with the trace number. My account was closed on XX/XX/2020 and it took them 16 months later to send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Resurgent Capital Services L.P.
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 act.the following accounts have violated my nrights. 

1 ) XXXX  XXXX  XXXX  account # XXXX XXXX ) lvnv funding account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Rent Recovery Solutions has wrongfully sent a debt of {XXXX} to each credit bureau on XX/XX/XXXX. I have already paid this debt in XX/XX/XXXX and asked for proof of debt in writing, as well as sent four different types of proof that this debt has been paid. XXXX  XXXX  XXXX, the company who sent me to the debt collector has refused to contact Rent Recovery to amend the debt. XXXX  has sent us a ledger with proof stating this debt has been paid. 

Proof was never given to me by the debt collector. The wrongful debt has been reported to the credit agencies : XXXX, XXXX and XXXX. We have called Rent Recovery Solutions and asked why our debt was sent to the credit agency even though he had paid this debt and we were told a supervisor would call us back. We have not received a call back. According to XXXX reviews, this company has a history of sending false debt to credit agencies. 

We are suspecting this company has dishonest business practices. We would like to report Rent Recovery Solutions for sending this debt to the credit agencies when no proof of debt has been provided by them. 

Documents sent to Rent Recovery Solutions have been uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX when XXXXXXXX XXXX  received notification ( from Experian ) that I had finally been able to afford to pay off two XXXXXXXX XXXX  accounts ( sold to XXXX XXXX ), XXXX took advantage of the notification from Experian that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX accounts sold to XXXX XXXX XXXX chose in less than 48 hours of receiving Experian delete request and proof both accounts were paid, XXXX knowingly and intentionally seized the opportunity to incorrectly report back to Experian " charge off '' status to Experian. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX had not reported to credit reporting agencies since XXXX, on either account. It was only when Experian contacted XXXX and notified them that I had paid both debts XXXX XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX reported back to Experian, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX about the response and change of status to charge off, XXXX phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX engages in predatory practices and that is why there are over XXXX complaints with XXXX I also recognize that because Experian has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original XXXXXXXX XXXX negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to 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 2022-08-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of 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 things 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 CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items 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 2022-10-11
Company: Experian Information Solutions Inc.
State: PA
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. Accounts name : XXXX XXXX XXXX opened XXXX XX/XX/2016, Account name : XXXX XXXX XXXX XXXX, Accounts name : XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX Accounts name : XXXX XXXX, Account name : XXXX XXXX has violated my rights. 15 U.S.C 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 explanation
Consumer complaint received 2022-03-02
Company: Experian Information Solutions Inc.
State: TX
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 am filing a complaint against Experian disputing the unknown inquiries. I have no knowledge to the below inquiries therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  I wish to see the original sources of the information reported including the original documents authorizing such inquiries with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable. I have attached a copy of my driver license and social security card.

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 2022-08-17
Company: EQUIFAX, INC.
State: TN
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 filed a complaint with Equifax in XX/XX/2022 and never heard anything. Per XXXX XXXX  missed payments that were incorrectly reported were removed. I contacted Equifax and they informed me that the dispute was closed. I asked why didn't I receive some updated information and XXXX mentioned that they do not update consumers that we have to call in. I have several items on my report that are not mine or reported incorrectly. This is affecting me from getting approved for a mortgage. My score has dropped well over 100 points actually XXXX points without any explanation. I asked for signed documents of my signature and they couldn't provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: LD Holdings Group, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Mr. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, NV XXXX XXXX XXXX Loan Depot XXXX XXXX XXXX XXXX, NJ XXXX Loan Number : XXXX Dear Sir or Madam I have received your monthly invoice concerning the XX/XX/2021 payment change. 

In the invoice you have included demands to increase my monthly payment to {$2400.00}, an increase of {$190.00}. This raise in my monthly payment is due to the addition of 2 items, a Hazard Insurance policy and payment of my County Tax to be included in my monthly payment. 

You have mentioned in your demand that there is shortage in my payment. I have reviewed this statement and I did not find any shortage. You have made a false statement to justify your demands. 

I neither asked for the Hazard Insurance policy nor do I want the insurance policy. 

Regarding you paying my County Tax, I want to continue paying the County Tax myself. In fact, you have the wrong amount of County Tax due in this payment year because I receive a discount in the County Tax. My discount is because I am a XXXX veteran and XXXX XXXX  XXXX due to my XXXX XXXX XXXX XXXX in the XXXX war. 

I, hereby reject both your demand for an increase in my monthly payment for a Hazard Insurance policy and including my County Tax in my monthly payment. 

I will continue to pay only for the principal, escrow, and interest. 

I resent your false statement and your demand for trying to increase my monthly payment for items I did not request; therefore, I intend to make a complaint to the Consumer Financial Protection Bureau concerning your unwanted, unrequested, and possibly illegal intrusion into my personal affairs. 

Yours truly, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 try to correct the XXXX XXXX XXXX account on my credit history and what I get is evasion from Trans Union. Right now I even have my account suspended and I turn to you to see if you can help me.

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 2021-10-19
Company: Strategic Financial Solutions, LLC
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 status incorrect

Complaint:
I have reached out to the company regarding missing payments they have reported to the credit bureau. My account with peerform inc has been closed since XXXX and was opened XX/XX/XXXX. They have recently ( this month XX/XX/XXXX ) reported for missed payments and now my account status is showing as opened. Of course my score has decreased by 30 points. To my knowledge this is illegal. Their contact information is XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, New York, NY XXXX. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2022-03-25
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Throughout the life of my student loans I have had several years that I was encouraged to go into forbearance by the loan provider, as I couldnt afford payments. Now I am learning that throughout that time frame, had I even made partial payments they would have counted towards my 120 months for my public service loan forgiveness. I feel as though I was misguided with this and in the long run jipped of a huge amount of time that could have been taken off my loan payment time!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: AC AutoPay LLC, Denver, CO Branch
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I applied for a loan thru autopay. I signed the loan XX/XX/XXXX however I received a copy of my loan documents and they were backdated to XX/XX/XXXX. The lender they found me was partner XXXX  XXXX XXXX and they are charging me interest from XX/XX/XXXX and showing me in default of the loan. they did not fund the loan until XX/XX/XXXX. 
I have messaged the loan officer repeatedly and requested a number to call because he has been unable to help me and he tells me he will have someone call me in which has not happened. the credit union claims that autopay has to correct it and says they cant help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions 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:
The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that 3 credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Bread Financial 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 witnessed a fraudulent account on my credit report that I had no knowledge of. I called the store and they name several things that was bought that I never purchased or had any knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: Experian Information Solutions 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:
On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted 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 explanation