BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: REGIONS FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Dispute this item because if it inaccuracies on my credit report. And reported incorrectly. But was verified it correct.

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 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 explanation
Consumer complaint received 2020-09-22
Company: CBC Companies, 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: Personal information incorrect

Complaint:
XXXX  won't remove address that are not mine so my documents keeps getting sent their this is why we had ID theft issues in America XXXX XXXX XXXX XXXX not mine or XXXX XXXX or XXXX address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE FINANCIAL c ontinues to report  XXXX  accounts on my credit report. I paid these accounts &amp; they agreed to remove them as part of the agreement ... They are damaging my credit &amp; I need them removed per our agreement ... I 'm attaching the report for proof they 're reporting as of  XXXX   XXXX ,    2017 ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MS
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 Account # 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

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 2022-10-25
Company: Experian Information Solutions Inc.
State: AZ
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 called to request a dispute with my current XXXX XXXX where I am listed as an authorized user. I was very specific as there are two XXXX accounts on my name, the Rep verified the correct acct and filed the dispute { Report # XXXX on XX/XX/22 }. I wanted the pay off amount to be updated on the new card. 
Again my account was updated incorrectly or should I say the verified acct wasn't updated but the other card was. The " other '' card was used for fraudulent purchases so I did not want that account to be updated or anything on my file until settled properly.

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 2018-09-20
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a derogatory remark on my XXXX credit report posted on XX/XX/2015. My brother took me to go get him a loan with XXXX XXXX and couldn't get approved so we use my social, my brother got on a really unstable situation and wasn't able pay the loan. He did not tell me anything so I was unaware. However, I was never notified about this debt and never received a bill, I don't have no account number or anything to fix this problem. I would like to address this immediately and either pay this debt or get this negative remark removed from my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To who it may concern, I am writing to dispute incorrect late payment information from XXXX XXXX XXXX  that is showing on my credit report. Specifically, my account status is listed as current, yet the payment history shows a payment that is 30-59 days late. This contradicts the account status and is negatively impacting my credit score. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when consumers dispute information on their reports. I am requesting that you immediately investigate this inaccurate late payment posting and delete it from my credit report. 

This erroneous information is damaging my ability to obtain credit and financing. Despite my account with XXXX XXXX XXXX  being current, the incorrect late payment history you are reporting has lowered my credit score significantly. I have suffered financial distress due to decreased credit opportunities as a result of this inaccurate information. 

To summarize, I am disputing the 30-59 day late payment you have on file from XXXX XXXX XXXX  and demanding that you remove this incorrect payment status immediately. Please conduct your investigation and rectify this issue as soon as possible in accordance with FCRA guidelines so that my credit report properly reflects the true status of my account. 

Please let me know when you have completed investigating and resolved this inaccurate information on my credit file. I appreciate your time and cooperation in ensuring the responsible reporting of my credit history. Yo Enclosures : [ ITEM SHOWING CURRENT PAYMENT STATUS YET COMMENT 30-59 DAYS LATE ]

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2023-09-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2017-05-03
Company: AES/PHEAA
State: KY
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:
I am  one  of the people that has been affected by The  U.S. Ed. Dept. 's Loan Forgiveness Bait  and Switch  Sham. I h ave been paying on my loans before  Former President   XXXX  may it law in  XXXX   XXXX  loan forgiveness. When the law was enacted I was happy thinking that in  ten  years my student loans would be forgiven as a federal employee.  XXXX  or  XXXX   XXXX  I contacted my loan servicer FedLoans to see why on my bill  ( s  ) it stated I had only made  41  qualifying payments toward forgiveness of my loans. I was told they would research and contact me within 90 days. No call and/or no response. I contacted the loan servicer in  XXXX   XXXX  and was told I was not under the correct payment plan until  41  payments ago. That I had been under forebearance, etc. and not a payment plan. All along I thought my payments were going to loan forgiveness. I thought I had less than a year left on my student loans to tell me I have  five  plus more years to pay. I HAVE BEEN MISGUIDED AND DECEIVED. I was offered no appeals, etc. The loans have been serviced by several different companies within the Department of Education 's umbrella. I have been told I 'm now in the correct payment plan and under the correct servicer. I DO N'T THINK THE WHOLE PROCESS IS FAIR. I have been paying on these student loans over 10 years ; and thought I had come on a good thing. BUT I WAS FOOLED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
After receiving a copy of my Transunion Credit Report i noticed some inaccuracies Below are the unauthorized inquires that were made on my report, i have sent several letters to Transunion about this and called them several times and they refused to remove them off of my report All Below Are From Transunion XXXX - XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX- XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX - XX/XX/2023 In my letter to them i sent the following along with Identification : I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 15 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. 
If any of these claims are not true, please delete them immediately. 
Inquiries I received a copy of my credit report. The credit report showed a credit inquiry by companies that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
Please forward me documentation that you have investigated and removed the unauthorized inquiries. 
Regards You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or Metro 2 law I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action

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 2023-05-07
Company: CAVALRY INVESTMENTS, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an email from XXXX XXXX XXXX on XX/XX/2022 regarding collecting a debt on behalf of Calvary SPV LLC. I asked them to refrain from contacting me because they did not provide any validation for the debt. I have not heard from them since. I obtained my credit report from XXXX XXXX and it shows that Calvary SPV LLC accessed and put a hard inquiry on my credit report without my knowledge. This was prior to even sending out a notice through XXXX XXXX XXXX. Also, this was done after I put a freeze on my XXXX XXXX as of XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted all three credit agencies explain it was a fraudulent account on my credit report. XXXX has removed it from their account the account holder is XXXX {$620.00}. I called XXXX explain to them that this collection agency needs to provide proof of signature that I sign for this account I already knew they can not. This collection agency refuse to talk to me telling me I need to contact a lawyer that is unheard of and I'm trying to resolve something that's not mine. XXXX refuse removal from my credit profile. Anybody can open account under someone's name online but they still have to show proof of signature that's very important.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
please see attached file

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 2023-08-03
Company: Experian Information Solutions 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 information incorrect

Complaint:
My XXXX  personal loan was paid off last month and not reporting a {$0.00} balance on my current credit reports. My XXXX XXXX was paid off last month and not reporting the correct balance.

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 2022-02-02
Company: BANK OZK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 two debit card transactions were made with XXXX XXXX XXXX that had no relation to us. The transaction descriptions are as follows : XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$420.00}, and XXXX POS PURCHASE XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX {$110.00}. Both transactions were noticed before they were completed, the bank was contacted immediately, and the account was put on hold. All other accounts were also put on hold immediately, and all debit cards were cancelled. We verified with XXXX XXXX XXXX directly and confirmed that neither of the charges were related to us. A quick XXXX search shows that this is an extremely common fraud method that has happened thousands of times to others, in exactly the same way. After investigation, the bank explained that we have no ground to stand on, and that the charges would not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company has furnish accounts with credit Bureaus for collection of un-verified debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-06
Company: Westlake Services, LLC
State: LA
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:
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Westlake Service XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX bank, XXXX XXXX all inquiry I have no knowledge of can you please remove this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: ALLY FINANCIAL INC.
State: LA
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:
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ally financial XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX bank, XXXX XXXX all inquiry I have no knowledge of can you please remove this from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Annual Escrow Account Disclosure Statement has a material error - the estimated property tax for XXXX is double what it should be ( from $ XXXX in XXXX to $ XXXX in XXXX ), resulting in an error in my new payment effective XX/XX/XXXX. I have called four times over the last month and each time the customer service representative quickly recognizes the error, escalates the issue, and promises that it will be corrected and that someone will follow up with me. I have yet to receive any follow ups or notices of correction. This is my third CFPB complaint submitted against BSI Financial Services since my mortgage was transferred to them XXXX year ago. Apparently, submitting CFPB complaints is the only way to actually get them to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
XXXX XXXX This Information is Incorrect. I never had late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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