BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Reliant Capital Solutions, LLC
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: Account status incorrect

Complaint:
XXXX XXXX never sent any documentation over to XXXX XXXX  about my student loan tpd to XXXX XXXX as stated by them and XXXX says it sounds like when I first started my tpd it was a different process but either way I sent over my XXXX form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. XXXX told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX XXXX  score dropped XXXX points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to XXXX also the loan department of XXXX has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me XXXX times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX  XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX, XXXX XXXX TN, XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XX/XX/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 2022-03-17
Company: Experian Information Solutions Inc.
State: NY
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:
There is incorrect information about me applying for loans to several banks for a car that I never bought. I never applied for any loan or even bought a car. These loans were applied for on XX/XX/2021 and I assume it was from a car dealership. I was also given an insurance card for a car I never owned. 

I found out about it when I got a credit report from Experian today and it said that I applied for numerous car loans for banks and was rejected by them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I legitimately owed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, money from an old XXXX XXXX XXXX purchase. I was served paperwork notifying me of a attempt to seek Judgment against me. Upon receipt I immediately PAID THE DEBT IN FULL. The payment date was XX/XX/XXXX. I paid with two money orders 1. ) {$1000.00} - Money order number XXXX. Was sent to XXXX XXXX XXXX attorney on XX/XX/XXXX and cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

XXXX. ) {$700.00} - Money order number XXXX. Was also sent to XXXX XXXX XXXX attorney and was cashed by Attorney XXXX XXXX. XXXX on XX/XX/XXXX. 

Those payments would have paid the account in FULL> Yet they continued to report to the credit agencies that the money was due and as of XX/XX/XXXX they STILL are reporting the funds due. 

Secondly they went to XXXX County Court and sought a Judgment against me, that Judgment was granted on XX/XX/XXXX. They claimed that I did not answer their complaint, another false statement as I answered the complaint and I PAID IN FULL prior to the date they state that I became in default. According to the Judgment I went into default on XX/XX/XXXX. I had paid in full on 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 2023-07-20
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records 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 things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6600.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-03-13
Company: EQUIFAX, INC.
State: NV
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:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items on my credit report. I have noticed several errors and inconsistencies in my credit report, which I believe are negatively impacting my credit score. 

XXXX - On XX/XX/XXXX, there was a credit inquiry on my account from XXXX. I have no recollection of authorizing this credit pull and I demand that this inquiry be removed from my credit report immediately. 

XXXXXXXX XXXX XXXXXXXX- The account number XXXX associated with XXXXXXXX XXXX  XXXX is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX- The account number XXXX associated with XXXX XXXX  is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Additionally, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX XXXX XXXX - The account number XXXX associated with XXXX XXXX XXXX XXXX  is questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - Furthermore, the account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXXXXXX XXXX XXXX  - The account number XXXX associated with XXXX XXXXXXXX XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

XXXX XXXX - Lastly, the account number XXXX associated with XXXX XXXX is also questionable. I request that you either clarify this information or remove this account from my credit report immediately. 

I understand that credit reporting agencies have a legal obligation to ensure that the information they report is accurate and up-to-date. Therefore, I kindly request that you thoroughly investigate these errors and take appropriate action to remove them from my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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: Account status incorrect

Complaint:
XXXX XXXX XXXX is erroneously reporting an account as delinquent. This account was paid in full and never late. Please see the enclosed documents. 

XXXX  XXXX XXXX XXXXXXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: TN
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 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 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Its 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 and 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 then 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 2019-10-16
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Credit Systems contacted me through mail two and half months ago saying I owed a debt from a previous apartment. That was my first time receiving any notice, bill, or anything regarding the so called debt. I reached out to them because I had already paid the apartments at the end of my lease and had proof. They had me email in proof and said it would be deleted once recieved. I called back the next day and they confirmed paperwork had been recieved and that the account was closed. They also mentioned that I could call back in up to 30 days to confirm this. Today, I recieved a notification through XXXX  that it had just been added to my credit report.

Besides all of this, national credit systems is not even licensed to collect in the state of Texas and I demand this account be closed and  removed from all three of the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
First, there is the general fact that when you go to the Bank of America website, you have to manually tell it you paid the bill for the month, or it leaves an alert saying your bill is over due ... I have made 2 payments in a month because of that in the past. 

Next, I had to make a payment by the XXXX of XX/XX/2020, which wasn't applied until the XXXX, because of the time zone, even though I signed up for automatic billing the month before, and was charged a XXXX dollar late fee. 

Lastly, there is the fact that I had to be walked through the process to sign up for a minimum payment to be made because it is labeled in a misleading way that makes it very hard to discern that it is the minimum payment option. Not having this as a more easily found choice caused me two months of underpayment fees, which were removed when I complained. And sadly that is why I have the XXXX dollar fee : I could not set up the minimum payment with one of their associates. because all of them told me that was what they had set me up for in the previous months when they truly set it up for th minimum due that month. It wasn't until I spoke to someone an Online billing specialist that I was alerted of this and helped to find the minimum payment option, after spending 49 minutes on the phone trying to get everything set with an associate, who assured me they had done what I asked, In short, I assert that the website for Bank of America is designed in such a manner as to make it hard to navigate and maximize their profits by garnering benefits from the fees and overpayments they receive because of its difficulty.

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 2019-03-15
Company: Uber Technologies Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Early in the morning on XX/XX/2019 my phone was left in an XXXX after a trip. Because I do not have a phone, I am unable to log into the app to connect with the driver myself, due to the 2 step verification a text must be sent to my phone in order to access the account. As a result, it is impossible for me to access any information about the trip. When contacting XXXX, they have hung up on me and refused to help me. They keep directing me to automated services who proceed to ignore 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 explanation
Consumer complaint received 2023-03-13
Company: Atlanticus Services Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was notified by my credit monitoring service that my retail Fortiva account had been closed and a new general purpose XXXX had been opened in its place. This resulted in a XXXX point drop to my credit score as it included an account closure, hard inquiry, and new account opening. I spoke with several representatives and was eventually told that they had sent one email to advise of the change on XX/XX/XXXX. After locating the email it is labeled as a " Notice '' and suggests that my account would be " converted '', but makes no mention that my previous account will be closed and a hard inquiry will be run on my credit report to perform these changes. It also does not state why this change was to take place as the retail company and Fortiva are still partners. These are deceptive and unethical practices all in the name of supporting a new credit line through Fortiva and amplifying their sign ups. I was never asked to sign or agree to anything, only to opt out of what appeared to be an account update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, 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:
I feel that I'm a victim of 15 U.S. Code 1681a ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-07-20
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 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synochrony of Sam 's Club Credit has closed my credit card claiming that I had two NSF payments within a 12 month calendar year on XX/XX/2023 for {$40.00} and XX/XX/2023 for {$40.00} from my XXXX XXXX XXXX  account. However, my XXXX XXXX XXXX has no record of these NSF transactions and they are not reflecting on my XXXX XXXX  statement. My Sam 's Club Credit card is not delinquent an any way. I have submitted to Synochrony my XXXX XXXX XXXX statements for XXXX & XXXXXXXX XXXX  and they refuse to accept them as proof that these transactions do not exist and that sufficient funds were in the account on or around the supposed payment transactions. Synochrony wants XXXXXXXX XXXX XXXX to write a letter claiming error. XXXX XXXX XXXX  refuses to write a letter and instead demands that I send Synochrony my bank statements. This is unfair to me as a consumer caught in the middle of such nonsense. I am not delinquent nor have I ever been late or delinquent with this Synochrony Sam 's Club Credit card account. They are ruining my credit score by Merchant closing my account. I demand they reactivate it. This policy is unfair and burdensome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: EQUIFAX, 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 XXXX XXXX XXXX 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Dovenmuehle Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had already attempted to have my case looked at through CFPB case # XXXX They closed it based off the Lenders response. 

I am attaching my information through a letter I am sending XXXX XXXX tomorrow. 

I have emails from my HUD certified counselor proving " Dual Tracking '' during All 3 Foreclosures. 2 have been vacated. The next one is XX/XX/XXXX I still have XXXX Notices of " Error of Resolution '' still active. XXXX is still going to move forward with Foreclosure. Promise! 

With a Notice of " Error of Resolution '' active they can not move forward with the foreclosure sale. 

Attached are also the Letters of " Reviewing File '' confirmation. Most recent was XX/XX/XXXX I qualified for a " Covid Recovery Options '' and/or " Standard Loss Mitigation XXXX XXXX XX/XX/XXXX. 

Contact with my HUD Counselor XX/XX/XXXX made my " Loss Mitigation Complete '' because I was working with a certified HUD counselor.

Communication between my counselor, XXXX  and XXXX will prove my claims.

Company response to consumer: Closed with explanation