BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-02
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Franklin Credit Management Corporation
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
In XXXX my wife and I secured a mortgage with XXXX loans for XXXX XXXX and XXXX XXXX XXXX XXXX for XXXX XXXX. The housing market crashed in XXXX XXXX loans sent us a modification package that inquired about the status of our XXXX loan leading me to believe that it would be included in the modification. from XXXX until XXXX I paid one mortgage payment to XXXX who sold oir loan to XXXX and then to XXXX Mortgage. in XXXX I filed for bankruptcy and XXXX XXXX XXXX showed up after 11 years wanting to be paid. The loan I assumed had been charged off. Now the loan has reached maturity and they are forclosing on my home on XX/XX/XXXX at the XXXX XXXX court house through sheriff 's sale. I assumed by state law of Tennessee that the statue of limitations was up on collecting this debt. And that this would be considered a time barred debt. Trying to be collected illegally. My account number with XXXX credit is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was offered a cash advance on my Bank of America credit card and chose to borrow {$10000.00} as a cash advance to make a purchase. 

My credit score was XXXX before this transaction. I have not even had a first payment and this single transaction forced my credit score down to XXXX. This impacts my future borrowing capability and will increase interest rates. 

No other financial information on my accounts has changed. 

The change is egregious and no disclosure was made to the potential impact. I have contacted Bank of America and XXXX and received poor treatment and a total failure to explain why such a massive impact to my credit.

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 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 2021-07-01
Company: Consumer Portfolio Services, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
these accounts don't belong to me. please remove accounts 1. Identity Theft XXXX XXXX Date of Inquiry : XXXXXXXX XXXX  This is not mine. 

2. Identity Theft XXXX Date of Inquiry : XXXX XXXX  This is not mine. 

3. Identity Theft CONSUMER PORTFOLIO S Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of Inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX Date of Inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
You dont understand. It was EQUIFAX lady that told me my account would remain OPEN! Has NOTHING to do with contacting other creditors! Account ending in XXXX. Please SEE Equifax the problem is with YOU guys telling me one thing on my credit report and then doing opposite ... ... Equifax you PROMISED you would have the account XXXX XXXX remained OPEN as I NEVER cancelled it, it DID remain open EVEN after talking to the supervisor but THEN EQUIFAX YOU went behind my back and cLOSED account on your records because I was contacted by XXXX XXXX asking if I did I CLOSE account that someone did and I didnt! Talked to XXXX XXXX and they AGREED what YOU Equifax lady with three letter name! DID was WRONG and said I shouldnt have to put up with. XXXX XXXX said sorry Equifax putting me thru this.THIS sorry EQUIFAX YOU people putting me thru this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX XXXX and Transunion are violating my rights. I am not on that account, I was long ago removed from that account last year and, I was only an authorized user on another individuals account. This was not my account. I was removed from the account when account was in excellent standing. Transunion is reporting false incorrect information regarding a charge off of {$3000.00} from XXXX  XXXX XXXX. This is an illegal attempt to keep my credit scores down and report false info to damage my credit. I am not part of this debt, liable for this debt, on this account or involved with it. This is definitely not the 1st time XXXX  XXXX XXXX has tried to use its power to illegally rob a citizen like they were above the law. They should be fined for obvious illegal tactics.

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 2021-07-02
Company: WELLS FARGO & COMPANY
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: Information belongs to someone else

Complaint:
I filed a police report did the fraud affidivat and disputed it with the credit card company and they are refusing to delete the transaction 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 2021-07-02
Company: TD BANK US HOLDING COMPANY
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We experienced 3 unauthorized withdrawels from our TD Bank checking account. On XX/XX/21 {$10000.00} and an additional {$1000.00} was transferred to XXXX XXXX XXXX On XX/XX/21 {$10000.00} was transferred to XXXX XXXX XXXX XXXX XXXX. The total unauthorized withdrawel was {$21000.00}. 
We do not utilized either of these online services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
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:
XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately. 
I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 . Im sending this letter to remove personal information that i do not want on my credit report. This is reporting from XXXX XXXX loan and trust. According to the fair credit reporting act 12 USC 1681 b. I have the right to privacy and accuracy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. I contacted TransUnion, XXXX and XXXX and they have no removed it from my report. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights as well as 15 USC 1538.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: RentDebt Automated Collections, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We lived in an apartment in XXXX  XXXX named " XXXX XXXX XXXX '', for 2 years, from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, they stated we would be liable for repairs in the apartment, which we disagreed with. There was a small paint stain in the carpet a single bedroom, and they stated they would be replacing the carpet in the ENTIRE apartment as a result, which resulted in a charge of XXXX, which they informed me of over the phone after we had moved out. We told them we did not agree with this, that they were trying to basically scam us into paying for renovations on the apartment that were not our responsibility. 

After that single phone call, we received no further phone calls or letters in the mail for 3 YEARS. No attempt to collect the {$1600.00} was EVER made. Now, in XX/XX/XXXX we noticed on our credit report we had been sent to collection for the {$1600.00}, collections agency " RENTDEBT AUTOMATED COL ''. We have attempted to dispute this with the both the collections agency, who states that we are the ones that must provide proof we are not liable, but there is no proof we can provide. We are being charged for something that is not our responsibility. Further more, the statute of limitations in Idaho for property damage is 3 years. 

To reiterate everything : We lived in this apartment 3 years and 4 months ago, and no attempt to collect this was EVER made aside from a single phone call from the apartment complex, and it was sent to collections in XX/XX/XXXX, a few month after the statute of limitations for property damage in Idaho, which is 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We acquired a mortgage from Wells Fargo in XXXX. My employer started bouncing payroll checks in XX/XX/XXXX. We called to arrange a late payment to Wells Fargo and explained our situation and that I was moving employers and could be late on my XXXX XXXX  payment. The lady helping us was super helpful and said ( and I can almost quote her, even after all these years, ) XXXX XXXX  I can move your payments out to XXXX XXXX and just move them to the end of the loan. We were ecstatic! About /around XXXX time we received paperwork for a forbearance. We did some research and made a few calls and it seemed it was a good thing via our calls to Wells Fargo. XXXX came and we received letters that our homeowners insurance lapsed and they ( Wells Fargo ) were going to place forced insurance on our payments of almost {$1200.00} a month. Of course we called and tried arranging some sort of alternative but, I couldnt find insurance that would insure me during a forbearance and I couldnt afford the new payment. 

Approximately XXXX XXXX, all finances were caught back up, but I could not fix our mortgage. We waited and tried a few lawyers, but, our efforts did not turn out well and we were foreclosed on in XXXX and the new owner demanded we move during XXXX withXXXX kids and XXXX foster kids. We declared bankruptcy, and that was finalized in XXXX ( ish ) that year. My facts my not be on an exact timeline. 

My belief is that if not for that rep misleading us to a forbearance, we could have handled the late payment and still have that beautiful home we wanted to retire in. 

I didnt know about the Wells Fargo settlement and the lawyers we spoke with back then told us our case was worthy, but we didnt have the finances to fight. Now in light of Wells Fargo I heard about we seem to fit that description.

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 2022-10-27
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Net Credit has been reporting a closed installment loan incorrectly to my credit report. They have been reporting me as XXXX XXXX late in XXXX and XXXX XXXX  late in XXXX. There was an error on their part for debiting my account for the aforementioned XXXX I received an email from a representative of Net Credit, XXXX XXXX XXXX, who recognized the mistake and claims they have corrected it on my XXXX report. To date, my XXXX credit still reflects me having late payments. However, during my last conversation with Net Credit, they stated that Net Credit had reported my account as paid and in good standing. This reflected as paid as of XXXX but failed to remove the late payments of the aforementioned XXXX. This has dropped my XXXX XXXX and caused me irreparable harm. I've had my credit lines on credit cards decreased recently due this erroneous reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 non-monetary relief
Consumer complaint received 2021-07-02
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: Account status incorrect

Complaint:
On XX/XX/XXXX XXXX, equifax and XXXX reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted : 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 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 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 explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: GA
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:
Dear Sir/Madam, I am writing to formally dispute the information regarding the charged-off account with XXXXXXXX XXXX account number XXXX, as reported by your agency. I have recently obtained my credit reports from XXXX, Experian, and XXXX, and I have noticed significant inconsistencies in the last active dates of the account as reported by each bureau. For the amount of XXXX. 

The discrepancies in the reported last active dates are as follows : XXXX : Last Active Date - XX/XX/2023 Experian : Last Active Date - XX/XX/2023 XXXX : Last Active Date - XX/XX/2023 These conflicting dates are causing confusion and concern for me as a consumer. It is essential that the information on my credit reports is accurate and consistent across all three credit bureaus to ensure fair and accurate assessments of my creditworthiness. 
I kindly request a thorough investigation into this matter to verify the accuracy of the reported last active dates for the mentioned account. If there is an error or inconsistency in the reporting, I request that it be corrected promptly to reflect the accurate and consistent information across all three credit bureaus. 
According to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agencies to ensure the accuracy and integrity of the information they report. I am well within my rights as a consumer to request a comprehensive investigation when discrepancies are identified. 
Please provide me with a detailed response regarding the results of your investigation. If the reported information is found to be inaccurate, I expect the necessary corrections to be made without delay. Additionally, I request written confirmation of the resolution and the updated information after the investigation is completed. 
I appreciate your prompt attention to this matter and your commitment to upholding the standards of accuracy set forth by the FCRA. Please provide me with a timeline for when I can expect a response and resolution to this dispute. 
Thank you for your assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My complaint is with Cashapp. They are sending out a general message saying that a technical error occurred between XXXX XXXX and XX/XX/2023 where I used my card but the funds were initially put on hold, then released back to my cash app. Resulting in me having a higher balance. And now they are recovering their funds to complete the payment. This statement is false. I dont hold much money on my cash app, so I would have noticed if I had XXXX of extra dollars in my account. 

The transactions are XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX All of the transactions were made at XXXX, XXXX states that they were not paid twice. But I can assure you that the money was taken from me twice

Company response to consumer: Closed with explanation