BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022. I contacted XXXXXXXX XXXX to assist me in fixing my credit. They were only able to pull up information from XXXX and XXXX. Equifax was showing that my account was frozen or there was an error. I called Equifax to see if I can solve the issue. Ended up having to call XXXX XXXX times. Each time they said I either haven't had anything to report for the past XXXX XXXX or I have no file opened with them. The call ended with them providing either a fax number or mailing address to send a copy of my social, driver 's license, and proof of residence. When I go onto their site to create an account I get an error code XXXX. I went online to see if I can find answers that way and all I found was frustrated people with the same problem, and the only way this issue was fixed was by submitting a complaint to CFPB, so that is what I'm doing. I know I have plenty to report on my credit, the other XXXX credit reports show up just fine, it's only with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Hello I have direct Deposit to my Netspend card from my job, I was supposed to receive my deposit XX/XX/2018, I technically get paid the XXXX but with what they advertise it will be 2 days faster, here it is XX/XX/2018 and nothing. Still no deposit I called several times yesterday and was provided no information at all, yes my employer sent my money over, I have my paystub with last four of netspend account number, still not there. First time i called they said and hour that was at XXXX XX/XX/2018 by XXXXXXXX XXXX same day I called back cause zi still have not received my money. They told me wait a few more hours. I called again and was told XXXX is having direct deposit issues. All I want to know is where is my money, I have rent to pay bills to pay this is so unfair. My deposit was for {$1000.00} They are not playing fair I couldn't get any time frame when I will have my money They have my money but no answers

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 2023-02-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house In XX/XX/XXXX for {$72000.00} and here almost 29 years later I still owe about XXXX XXXX. I filed bankruptcy in XXXX and at that time the mortgage company informed me that my late payments would be put at the end of my mortgage. I requested to have my mortgage put on my credit report to no avail. There is absolutely no way my remaining balance should still be this high. Citigroup mortgage loan trust owns my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2023 Columbia Debt Resource was sent a certified letter veritfiy ownership and proof of identidy. Columbia debt resource did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have tried to get a refund check back from JC Penny 's Credit Card. On XXXX Check # XXXX issued never received. Asked again on XX/XX/XXXX check # XXXX never received. Asked again today XXXX will send another check.

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 2021-04-10
Company: Receivables Management Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please help me with this matter : After reviewing a copy of my credit report I found the following item to be an error. Here as follows is the item in error : Collection Agency : Receivable Management Company Original Creditor : XXXX XXXX XXXX Balance : {$69.00} Account Number : # # # # # XXXX Open Date : XX/XX/2019 The basis of my dispute is I never had an account with this creditor and I do not owe this debt. This is inaccurate reporting on my credit file. I tried to get this resolved directly with the collection agency by disputing through the credit reporting bureau XXXX  however, the collection agency refuses to correct this inaccurate reporting. I have never had an account with them. I've never signed any contracts or paid any funds directly to them. I called the original creditor ( XXXX XXXX XXXX ) on XX/XX/2019 after seeing this collection on my credit. After speaking with them, they confirmed that there was a pending balance that my insurance company refused to pay because I'm military and require a referral process to see doctors outside the military base. After speaking with them, I told them I was never notified by them that the referral was expired and that my insurance company refused to pay the bill directly to the doctors office. I then paid the amount over the phone to XXXX XXXX XXXX. I have never had an account, nor made a payment to receivable management group as they have indicated on my credit report. Please see attached receipt provided to me directly from XXXX XXXX XXXX once I paid them. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete their reinvestigation within 30 days of receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Army and Air Force Exchange Service
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm sorry to trouble you, but there seems to be a mix-up. My account, which I completely paid off in 2019, is currently marked as a collection account. 

This appears to be a misunderstanding or error, as I clearly recall paying the balance and closing this account over four years ago. 

Apologies for any inconvenience, and I hope we can resolve this issue soon.

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 2020-05-31
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
I did not request this company to run my credit. I have no knowledge of this credit inquiry that is reflecting on 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 2023-02-17
Company: Tromberg, Morris & Poulin, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have called the sheriff 's office handling the collection of the unknown debt for the law office of XXXX XXXX and XXXX that is also under Tromberg , Morris & Poulin , PLLC. I gave the reference number ( the only number associated ) for this matter, many hang ups on me from this office and still get nowhere. They claim that the reference number is not their matter number and " even if it was they want more identifying information '' from me. I have no idea what this debt is ( though the sheriff 's office says it's from XXXX ) and they are garnishing my wages for it since XXXX and was opened at the sheriff 's office in XXXX. This amount was originally {$6100.00} and is now at {$3500.00}. I have no idea what this is, I attempted to contact them and find out nearly a year ago, where they then were doing the same thing and hanging up on me. None of this is on my credit report or discoverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: IA
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 disputed a newly added account the day I saw it add itself to my report. In the dispute results, it said I was correct but they updated unrelated information. It is still on my report. 

This was for medical debt that is supposed to have a 90 day period before it even shows up on my report. I was unaware of the debt and would like it to come off my report so that I can make payment arrangements with the creditor. 

The account is with XXXX XXXX XXXX. Apparently the account was opened XXXXand as of writing today has been only 69 days. I never received any communication of the debt previously. 
I tried that same day to reach out with their email communication form directly with the company and have not had a response there either.

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 2022-12-20
Company: EQUIFAX, INC.
State: MI
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:
According to the fair credit report Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer Dash any and all accounts you post on a credit report. Otherwise anyone paying for your reporting Services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( and original consumer contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX. 
XXXX. XXXX XXXX XX/XX/XXXX Please remove incorrect addresses Addresses : XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. 
XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX XXXX XXXX XXXX XXXX, XXXX michigan, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Michigan XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX MI XXXX Please remove incorrect phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please remove incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove incorrect date of birth : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX and third party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged debt. On XX/XX/XXXX, I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/XXXX at XXXX XXXX. an Agent of this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX continues to ignore my requests. On XX/XX/XXXX this fraudulent item was removed from my credit report and this company willfully violated my consumer rights according to the Fair Debt Collections Practice Act. Specifically, I requested the documents from their filesthey used to verify this account. Under the FCRA, I have the right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. Who verified this account? What documents wete used to verify this account? Where are the documents they used? It has been eight months from the time of my initial request for validation and to date they have willfully ignored and violated my consumer rights by refusing to validate this alleged debt. XXXX XXXX is in direct violation of the law by continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested right months ago. XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, they are in direct violation and have totally disregarded the law. 
XXXX, WA 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 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to resolve this matter with these credit reporting agencies for the past five months. These fraudulent accounts are still reporting on my credit and no physical proof has been provided verifying these accounts to be mine. My rights have been violated and my next steps are to take this case to federal courts for the misuse of my identity.

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 2023-09-22
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-16
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont not believe that I owe the amount of XXXX I have no knowledge of this account I believe that somebody else is responsible for this charge thanks

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 2018-09-11
Company: Experian Information Solutions Inc.
State: SC
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:
Experian continues to perform and report inaccurate and unverified data on my credit report. Having looked at Public Records, against Experian, This company continues to Report unverified data from automated systems by the agency. I requested Experian to investigate items on my credit report that I believe is mixed data with my son. Ive sent certified letters requesting names and phone numbers of individuals from the Agency who verified my account without success. CFPB please assist me with the information I requested from Experian I have copies of the certified letters I sent them upon request.

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 2023-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Vehicle was very over priced paying and was disclosed of the proper information at signing of loan.Taking advantage of minorities with low income who dont know any better.

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 2023-06-17
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This account was originally XXXX XXXX XXXX XXXX XXXX however was sold off to Jefferson Capital Systems. Jefferson capital is listing themselves as the originator ( XXXX XXXX, should be the originator reporting ) when they are not supposed to do so. I've received numerous calls and have asked them to take me off of their lists of calling. They continue to send me letters in the mail and call me. 

Loan # XXXX ( through XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. The account that should be corrected is : XXXX XXXXXXXX

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 2023-10-20
Company: EQUIFAX, INC.
State: TX
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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Last year in XXXX my vehicle was wrongfully reposed without any notice.

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 2015-07-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am trying to open a my social security account and I ca n't because of Experian. I was told by the Social Security administration that the accounts are handled by Experian. After doing some research I found out that if you have a security freeze or fraud alert on your file that you will not be able to open up an account. I really need to open the account so I can check my XXXX status. I never asked Experian to add a fraud alert on my file, they did it without my permission. Please help me rectify this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief