BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-18
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We hire a Public Adjusting Company to assist in the process of settling a homeowners claim with XXXX XXXX XXXX. 
XXXX XXXX paid out a settlement check in which the adjusting company XXXX XXXX XXXX XXXX ) are holding and will not release to us. 
Our Mortgage company ( XXXX XXXX XXXX ) is waiting to receive the settlement check to distribute the funds to ( XXXX XXXX XXXX ) for their services, the ( Contractors ) that will perform the home rebuild, and a percentage to us ( home owner ). 

That is the XXXX XXXX XXXX Adjusters will not release the check to our mortgage company which has cause extreme delays, financial loss, and Contractors discouragement. 

The Main issue at this time XXXX XXXX XXXX opened a claim for collection with a law firm. 
Which we believe is bad business practice, since we did accept the settlement offer from XXXX XXXX, so there was never a matter of not wanting to proceed. 

XXXX XXXX XXXX want to govern the distribution of funds to control the process in rebuilding our home to it's completion, ( payout to contractors material and labor ) makes surprise visits from several states away to charge us for travel. 

XXXX has even stated themselves that we Do Not need to go with their services from this point for forward. 
This was confirmed with our mortgage company XXXX as well. 

This is Bad and Unfair Business Practice.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My XX/XX/XXXX credit score plunged 40 pts due to payment status changed to ( negative past 180 days for the period of over a year ) on XXXX XXXX reporting. Within a week I disputed with Experian, XXXX, and XXXX XXXX including a copy XXXX report from both bureaus of on-time payments for the negative days recently reported. XXXX XXXX has been on-going with consistently changing to inaccurate information. XXXX  has corrected information accordingly however, my Experian report remains the same ; Dispute dates with both bureaus are XX/XX/XXXX and XX/XX/XXXX. Additional incorrect information on reporting as follows : REMARK added regarding late payments, Payment status, balance due and initial open date. My main concern at this point is the negative remark and invalid late payments reported. Balance due of {$450.00} increased by {$240.00} on XX/XX/XXXX, after receiving the previous dispute. I guess this was a retaliation? I refused to pay the {$450.00} because it was paid by XXXX XXXX insurance, after an accident and the remainder balance was covered by GAP. 
Note : other documentation is available upon request and has been submitted to bureaus and debtor.

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 2019-07-24
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: Information belongs to someone else

Complaint:
XXXX XXXX Credit Union stated I opened an account with them on XX/XX/2017XXXX i never opened an account with XXXX XXXX Credit Union on XX/XX/2017. I have asked this company to provide signed application, copy of Driver 's license and they have refused to do so. This is identity theft and I want this fraudulent account removed from my credit file. I have also asked Experian to remove this account and investigate this account and they refused to do so. Im not sure why Experian is allowing a company to report a fraudulent account to my consumer credit file. Please send me copies of where I signed credit card receipts since XXXX XXXX Credit Union is saying I owe { {$1700.00} }. The Fair Credit Reporting Act, 15 U.S.C. 1681 is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. XXXX  is not following The Fair Credit Reporting Act and I want something done about this!!

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 2023-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
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've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that Experian and XXXX update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that Experian and XXXX performed.

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 2018-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The problem is as of today XX/XX/XXXX  that XXXX has my name incorrect on my credit report this is not me and this is false information. I want all this information wiped clean on my Equifax report. 

I can provide my correct information such as my driver 's license. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Early Warning Services, LLC
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: Investigation took more than 30 days

Complaint:
I was notified that I was part of the XXXX data breach via a letter on consumer file I was also notified my information was appearing on the dark web. I signed up for credit monitoring tools.I was notified by my credit reporting tools that my credit report was released to Banks without my consent or application. I immediately called same day and reported that as fraud. Both organizations blamed the other for approximately one month from today as I continued to call back andattempt to get the inquiries removed from my credit report. The following month I received a letter from these inquiries below per a request to open a checking account which I did not request or apply. I notified these banks who immediately took action and helped me file a 7 year fraud alert on my credit report with these banks who also did same with the other to credit reporting agencies. HOWEVER, these banks sent me a link to do same with XXXX since this was a request for checking account in my name Please help me look into this matter XXXX cant open a bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: NV
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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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, XXXX XXXX, equifax all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all XXXX, XXXX XXXX, and equifax fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX  and I dont have a middle name and my last name XXXX So who is those other names and addresses??? I have a private mailbox!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I FILED CHAPTER XXXX XX/XX/2018 AND CREDITOR CONTINUES HARRASSIG CALLS MISLEADING EMAILS AND LETTERS SUCH AS THE EMAIL SENT BELOW ON XX/XX/2018 Attention : Debtor, Creditor : Speedy Cash Services Case No : XXXX- XXXX Outstanding Amount : {$1300.00} This Legal Proceeding issued on your Docket No : XXXX- XXXX XXXX XXXX of Speedy Cash in order to notify you that after contacting to you on your email we were not able to get hold of you so the accounts department of SPEEDY CASH has decided to mark this case as a flat refusal and press legal charges against you. 


We have sent you this warning notification about legal proceedings on XXXX, 2018 but you failed to respond on time now its high time if you failed to respond in next 36 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 


You will be sue into the courthouse, where you have to pay {$4700.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 


This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



NOTE : -IF YOU WANT TO RESOLVE THIS ISSUE OUTSIDE OF COURT THEN CONTACT OUR SETTLEMENT DEPARTMENT ASAP WITH YOUR CLEAR INTENTION OF REPAYING ALL OUTSTANDING AMOUNT TO : XXXX Sincerely, Settlement Department, XXXX XXXX ( Head-Debt Collection Officer )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: GA
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:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Please note your website did not recognize the number listed below. 
CFPB COMPLAINT # XXXX Discover Student Loan, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX 1 ) XXXX - Discover Student Loan took over the loans from XXXX XXXX XXXX XXXX {$47000.00}. 
2 ) XXXX - Graduated from XXXX XXXX XXXX XXXX. 
3 ) XXXX - Began 'Autopay ' to make payments for the loans to Discover Student Loan. 
4 ) XXXX - I asked for an accounting of payments. Discover Student Loan did not apply any of my payments to the principle from XX/XX/XXXX - XX/XX/XXXX. After repeatedly requesting part of the payment be applied to the principle, they began to pay down the principle in XX/XX/XXXX. 
5 ) We always paid Discover Student Loan through 'Autopay ' so payments would not arrive late. However, a {$570.00} late fee has arbitrarily appeared on statements. 
6 ) Discover Student Loan also uses three different Customer Account # 's in the correspondence I receive from them. I have never received notification stating my Customer Account # was changing. 
7 ) I have paid an average of {$63000.00} over 9/years. Understanding interest is added to my loans why do I still owe {$56000.00}. I've paid $ XXXX. plus an extra {$2000.00} on 2 loans to principle only ( this is not added in the {$63000.00} ). What is Discover Student Loans doing with my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: Experian Information Solutions 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 is a digital app on XXXX that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX year old son. I need good credit to get a good apartment. This company just destroyed that!

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 2023-08-16
Company: EQUIFAX, INC.
State: IL
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 am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There were credit inquiries on my Experian, XXXX and XXXX credit reports that I didnt make.

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 2023-02-28
Company: SYNCHRONY FINANCIAL
State: FL
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:
MY CHECKING ACCOUNT WAS COMPROMISED BACK SOMETIME IN XXXX OF XXXX. AS A RESULT, XXXX XXXX XXXXXXXX CLOSED MY ACCOUNT AND RETURNED ALL PAYMENTS MADE AGAINST THE COMPROMISED ACCOUNT. I THEN HAD TO REOPEN A NEW ACCOUNT. MEANWHILE, A PAYMENT WAS MADE AGAINST THE SYNCHRONY BANK LL FLOORING. THE PAYMENT WAS MADE AGAINST THE WRONG ACCOUNT AND AS A RESULT, WAS ONE OF THEM RETURNED BY XXXX XXXX XXXX. AS A RESULT. WITHOUT WARNING SYNCHRONY CLOSED MY ACCOUNT WHICH HAS IMPACTED MY CREDIT BUREA REPORTS. I HAVE MADE SEVERAL ATTEMPTS TO EXPLAIN THIS TO SYNCHONY LL FLOORING TO NO AVAIL. MY ACCOUNT HAS ALWAYS BEEN IN GREAT STANDING PRIOR TO THIS INCIDENT AND FIND THIS VERY UNFAIR PRACTICE. SYNCHONLY THEN STATED IT WAS A RESULT OF A CREDIT PULL AND WOULD BE EXPLAINED IN A LETTER ADDRESSING THIS SITUATION. NEEDLESS THE LETTER I RECEIVED MENTIONED NOTHING OF A CREDIT PULL. THE LETTER WAS TO INFORM ME OF THE MISHAP AND TO INFORM ME TO CONTACT MY BANK TO CORRECT IT. I HAVE SINCE PAID OFF MY ACCOUNT WITH THIS CREDITOR.

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