BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Resurgent Capital Services L.P.
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 would like to file a complaint regarding two accounts XXXX is reporting. I have sent disputes to XXXX multiple times reporting the errors in their reporting but somehow XXXX continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and LVNV is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to XXXX that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, XXXX does not even acknowledge my disputes. I have requested validation from XXXX and LVNV and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does XXXX have to report these accounts? And if XXXX has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is XXXX continuing to report these accounts if they have not and can not be verified? And why has XXXX completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold XXXX accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided XXXX the information to make an educated decision. I am also including LVNV in  the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. LVNV has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both XXXX and LVNVs false reporting have hurt my credit substantially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I want to request the removal of any and all security freeze and fraud alerts from my credit file. I was trying to apply for an account today from XXXX and I was told that a security alert of the freeze was still on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am complaining about constant and unwanted phone calls from Quicken Loans. These loan advisers are trying to encourage me to refinance my loan. I have spoken on several occasions with different representatives about this issue. I have also explained that I am not interested in refinancing my home. Even after these direct statements, I still receive many phone calls ( on one occasion 4 in a single day ). 
Some of the advisers have even said rude words and tried to engage me in verbal debate. This is unprofessional. As a customer I am very upset, and need these calls to stop. 

I feel this is predatory lending 1. Using high pressure sales tactics 2.  They are trying to strip me of my equity although I have told them this is NOT an option that I am interested in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX BANK XXXX XXXX Balance {$330.00} Opened XXXX XXXX, 2019 - You are reporting a different information from other bureaus. This account was never late and I always make my payments on time. This account is only reporting as late in your bureau. If your record keeping had been accurate, this account should have never been late. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately. Thank you.

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 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hello I received a copy of my credit report and found a host of inquiries that i was unaware of that I had pulled during the purchase of my car last year as well as other inquiries from loan requests. I'm hoping to get these inquiries removed as they are affecting my credit and my ability to further my credit abilities any help is greatly appreciated. 

XX/XX/XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
We have been with Bank Of America for OVER Twenty years. Both my husband and I have multiple accounts and a few years back, we received MULTIPLE OVER DRAFTS FEES and MULTIPLE TRANSFERS FEES for both large and small transactions that caused multiple overdraft fees for each transaction. This caused none payments for bills, distressed and most of all, disconnects of utilities & car payments. The fees were automatically intercepted whenever a deposit was made causing us NOT to have enough to pay bills or some times not purchasing food. I am demanding refunds for those ILLEGAL practices. We continuously have to close debit cards due to unauthorized purchases nearly every MONTH as recently as TODAY XX/XX/23!

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 2023-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not hindering records when I sent a copy of the FTC report and Bureaus letters last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 non-monetary relief
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of XXXX. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX, XXXX before in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX and experian are illegally reporting bankruptcy to my credit report. i have never lived at the address listed on the bankruptcy and the date listed on my credit report are wrong and should be deleted.After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The original creditor in this case would be the U.S. Bankruptcy Courts. 
The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Your company has never validated or verified these public record entries on my credit report. I need the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission and Consumer Financial Protection Bureau. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. 
Thank you, 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 2021-10-26
Company: Experian Information Solutions Inc.
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 called XXXX XXXX they called Me THE XXXX word aka XXXX i have them On recording the information they provided doesnt match up to any information that belongs to me they hang up on me very disrespectful the attached file stated i was sixty days passed due from XXXX to XXXX doesnt make sense at all there is no 60days In between those dates they also refused to send me a fraud packet over the phone..and i have an investigator and a police report as well they refused to get any copy of it experian wont respond to my dispute keep updating as remain which is illegal and i sent experian proof as well The debt doesnt belong to me plus my License been XXXX  for XXXX  years you cant drive oft a lot with XXXX  license and no insurance

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 2021-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
When I took this credit card out I enrolled in an optional insurance program ( a/k/a XXXX '' ) that would payoff the balance should I become unemployed or XXXX. 

While this credit card made a partial payment as I was unemployed waiting on my XXXX to be approved. It has not paid the balance off as stated in the terms and conditions of the optional insurance program ( a/k/a XXXX  '' ). Despite, my sending both doctors reports and a copy of my social security determination showing I am receiving XXXX. 

I have discussed this matter with an attorney that stated this could fall under the " unconscionability '' provision of XXXX XXXX XXXX. XXXX. I do not want to file suit against XXXX. However, if this item is not removed from my credit bureau as it should have been paid in its entirety by the optional insurance program ( a/k/a XXXX '' ) that I enrolled in when I first took out the credit card, I am prepared to file suit. 

I have also been advised that the optional insurance provision ( a/k/a XXXX '' ) could invalidate the contract because a contract requires offer, acceptance, and valuable consideration. When the credit card was taken out, the optional insurance program served as valuable consideration to my acceptance of the credit card. 

This item needs to be deleted from my credit bureau as I do not owe a balance. The responsibility to ensure accurate credit reporting. Including, disputes regarding the optional insurance program falls on the credit reporter. In this caseXXXX XXXX and their failure to do so, could be a violation of the Fair Credit Reporting Act as well as Regulation Z.

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 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had obtained a copy of my credit report through a third party and noticed that there were several inquires on my credit report that were unauthorized please investigate and delete. 

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 non-monetary relief
Consumer complaint received 2022-09-12
Company: Bread Financial Holdings, Inc.
State: NM
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:
XX/XX/XXXX Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX RE : Comenity Bank/Wayfair and XXXX XXXX XXXX XXXX I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through Wayfair for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. 

The smell coming off the set was also intolerable. It smelled like dead animal. 

I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. 

I dispute having any obligation for this debt. 
If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. 

I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. 

After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief