BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-06
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company is fraudulently reporting a collection account and each it is disputed onn my credit report it is verified the information from the credit reporting agency AWA verified as correct and they increase the balance by {$1.00} harming my credit score each time. I have provided by certified letter my correct mailing address and a written dispute and a copy of the receipt. I paid the original creditor and have been disputing this several times over the last few years. I brought my receipt to original creditor whom I prepaid for the procedure and they stated that it was reported to collections in error and XX/XX/2016 it was manually cleared from collections. Office Manager XXXX showed me on her computer when I visited the office about this collections problem it was cleared manually in XX/XX/2016 and AWA was manually notified this debt was sent to collections in error and she stated she knew a collection manager at AWA and would have it deleted ASAP. The next day the collection balance was increased with the credit reporting agency and dropped my credit score again. This company is in violation with the law. Also the original creditor stated they have never verified this debt as valid and was shocked at the problem I was having. I am a consumer with rights and they are not only ignoring them they add a dollar to the balance every time I try to dispute this. So they are purposely harming my credit for a debt that was not only paid but PREPAID before the procedure was done. I have written proof of every attempt to get them to properly remove this item and that it is and was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: NC
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 name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: VA
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 is my eight 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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$95.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}

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 explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the company will not change a few incorrect addresses on my credit file. This is MOT my address. I have shown this address a a few times and no results even after the law suit last year resulting for this exact reason.

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 2023-02-02
Company: Home Point Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home in 2022. The mortgage was sold to Homepoint Financial after 1 or 2 months. I have repeatedly called them and emailed them information about the three types of insurance on my property : XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Flood- with XXXX XXXX XXXX ( XXXX ) XXXX XXXX Wind and Hail - with XXXX XXXX ( XXXX ) XXXX XXXX Homeowners - also with XXXX XXXX In late XXXX a long phone call with Homepoint included phone calls to these two insurance agencies, and I believed that all was resolved. This morning ( XX/XX/XXXX ) I received a " final notice '' from Homepoint for not having insurance... 

Homepoint paid the flood insurance ( late ) on XX/XX/XXXX Homepoint has sent a check for wind and hail to XXXX, but still not paid the Homeowners Policy : The Wind and Hail can not be ordered by XXXX as Homeowners must be in place. 

I tried calling Homepoint this morning. they repeatedly disconnected Hoempoint is both incompetent - putting my property at risk, and unpleasant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: DE
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: OK
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX I completely canceled my paid experian membership. I then signed up for a experian family plan which includes 7 days free and thereafter XXXX a month. 

Experian is refusing to honor their advertising. On XX/XX/XXXX I was charged XXXX on my XXXX card vs my agreeing to pay XXXX on or after the 7 day trial period. 

I spent close to XXXX minutes trying to resolve the situation with a agent uneducated in his own products. 

This individual insisted that I was charged additional money due to a privacy scan wrong. 

Privacy scan is included inside the EXPERIAN PREMIUM WORKS FAMILY PLAN FOR XXXX A MONTH

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 2022-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( CAPITAL ONE BANK USA XXXX XXXX Date opened XX/XX/2009 Balance {$1100.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: M&T BANK CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account on XX/XX/20. I set up a login and password, and was able to login. 

On XX/XX/20 I tried to login, and was unable to. I got a message " M & T has blocked online access to your accounts. If you would like to request that we reinstate access, or if you feel this block was placed in error, please call an M & T Online Customer Service Representative at XXXX ( Mon-Fri XXXX, Sat-Sun XXXX ET ). '' So I phoned and, after about 20 minutes on hold, spoke with XXXX. 

XXXX asked me to verify my identity by giving her the first 5 digits of my SS #. This is very suspicious, as usually I am asked for the last 4 digits. I gave her the first 5 digits, and she looked into my account. She said that she would send me an email to further verify my identity. 

Per the email, I received a text requesting a photo of my driver 's license. This is also suspicious. I took a photo of my drivers license and sent it to the number that texted me. Then I realized that the text asked me to click on the link in the text to send her a photo of my driver 's license. I clicked on the link, which brought me to a page explaining how to take a photo. I clicked on " continue, '' but it didn't continue - after several minutes the page still hadn't changed. This is also very suspicious.

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 2022-10-07
Company: FIRST HERITAGE CREDIT LLC
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:
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/XXXX  I demanded, verification as to the process used to verify an account showing up from XXXX. To date, the full detailed list of information requested, including any documentation from the original creditor has not been provided to me. As such, under fcra, section 611 ( a ) ( 6 ) and ( 7 ) I am requesting that you comply with the law and delete this item, since you have been unable to provide the required documentation. Please immediately delete this item and provide me with an updated credit report. I have attached proof that you received the method of verification request, as well as a copy of the letter

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 2020-01-06
Company: ONEMAIN FINANCE CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was approached by One Main Financial after completing an online application. I was told i was approved for {$6200.00} installment personal loan or {$11000.00} for a secured loan ( using my car ) i provided all documentation asked for right away. I was called at the end of the day and told that is was approved for the above amounts but my credit report had verbiage on the loan i was trying to refinance as a student loan. i called the company ( XXXX XXXX ) and sent documentation to show it was not a student loan. I was then told it was accepted with the same amounts but they were going to ask the underwriter if they could {$10000.00} to pay off a few more items but i was approved for the above loan. Two days later i called for status and was told the loan amount was reduced to {$3600.00} due to income. So i said ok to go forward and then she paused for a few seconds as if she wasn't expecting me to agree with it and then said sorry your not approved for any loan at this time enen though 5 seconds earlier she said i was. They tried to blame my income but just 5 minuets before i agreed my income was not an issue. The  income I am referring to is from my second job with XXXX where i take in approx XXXX a month. I provided proof of that however i am told I am wrong and that i only take in XXXX a year. Not true. There are no expenses i pay for other then XXXX. For tax purposed we add in XXXX  and XXXX  amounts paid but only for tax purposes it does not reflect actual income. Any underwriter who worked with income knows that what is on taxes is a limited picture of actual. I provided that actual pay report of what i take home weekly but they refused to look at it. I feel i was discriminated agents for being a XXXX. as they indicated that XXXX  dont make money. Not true. That is judgement on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Collection Bureau of the Hudson Valley, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a natural living and breathing person ; consumer. I am aware that you are committing fraud and in violation of my federally protected rights by reporting that I owe an alleged debt that I have no knowledge of and hereby REFUSE. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I demand documentary evidence that shows I legally owe you an alleged debt.

I am also aware that you are in violation of my rights according to the Fair Credit Reporting Act, 15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report. As well as to the Fair Credit Reporting Act, 1681 ( d ) ( 3 ) ( a ) as medical information is to be excluded from consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. Account # XXXX has violated my rights. 15 U.S. Code 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything must be 100 % Accurate. I have the credit report showing the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I tried to purchase a puppy through a breeder whose website was cleared by XXXX and ran as an ad on XXXX. I was in contact with the owner and they did all of the routine steps in making sure everything went smooth and was consistent with what you would expect of most breeders. After all paperwork was drawn up, I paid {$2500.00} total using XXXX and XXXX for the dog but after noticing some sketchy services afterwards, I realized that I had been scammed. I then reported the operation to the FTC, FBI, XXXX XXXX and XXXX. I've tried recovering my funds from Chase Bank, XXXX and XXXX but they all denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
XXXX and Transunion are reporting incorrectly that I am 90 days past due on the XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 10 and 11 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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