BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint 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. Kindly assist me to correct the following late/open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} XXXXXXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX Balance {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

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 2022-11-12
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RPM, LLC added collection to my credit reports without my knowledge! I checked & can't verify their registration in Michigan BOTH are FDCPA violations! RPM, LLC put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the MI XXXX of XXXX that they are registered in Michigan which is also against the FDCPA! I request that verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If RPM, LLC is unable to provide the above identifying account information, this account must be deleted from all CRAs. RPM, LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: CT
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 XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person l. Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the Equifax, XXXX, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX ( an online jeweler ) allowed me to finance a purchase. After the purchase the account was sent to Comenity bank. 

I requested a statement showing the account information on my status of paying it down. They have told me two times that they will mail the documentation, I confirmed my current mailing address about two months ago.

Ive never received anything and they just tell me to pay the account. 

I want to see what Ive paid, what I owe. Im beginning to think they dont have those details and are just threatening to mark my credit reports if I dont keep making payments. Its been about two years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CCS Financial Services, Inc.
State: OH
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: PA
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:
XXXX XXXX I 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692b ( 4 ) not communicate by post card 15 U.S. Code 1692 ( 2 ) not state thar such consumer owes any debt 15 U.S. Code 1692 ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( 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 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 2022-10-27
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report. 

She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX  call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: Carvana Group, LLC
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691

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: CCS Financial Services, Inc.
State: UT
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:
Credit Collection Services is reporting on my credit file for a debt that I dont owe. I never received a notice for this and they are supposed to notify me before they put anything on my credit file. This debt was paid & should have never been sent to collection.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: DISCOVER BANK
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:
Discover Bank - {$280.00} - Balance Updated XX/XX/ - This is a fraudulent and unauthorized charge on my credit report, I never authorized Discover to charge my credit and I never opened an account with them and I want this false information. I contacted them multiple times about this issue through phone calls and emails. I also put in multiple disputes with third party companies like credit karma and even with experian and this is still a standing issue that needs to be resolved. 

XXXX XXXX XXXX - {$780.00} - Balance Updated XX/XX/ Department Of Education - {$10000.00} - Balance Updated XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this CFPB complaint 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. Kindly assist me to correct the following late/open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance {$9900.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$11000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} XXXX  XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.

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 non-monetary relief
Consumer complaint received 2021-07-05
Company: Experian Information Solutions Inc.
State: NJ
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 have noticed multiple accounts on my report that arent mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For MANY YEARS we have been borrowing $ & PAYING IT OFF ON TIME OR EARLY, MOSTLY WITH CREDIT CARDS ... OUR CREDIT SCORE SCORE WAS, UNTIL RECENTLY XXXX .... & WE HAD A REVERSE MORTGAGE ON OUR {$240000.00} HOME & LAND..SINCE XXXX WE'VE HAD GREAT CREDIT WITH SEVERAL CREDIT CARDS FOR YEARS ... THEY CONSTANTLY MAIL US OFFERS OF " 0 PERCENT " SHORT TERM LOANS e.g. {$4000.00} for 12 months + very small UPFRONT FEE, like 3-4 %... SO WE WOULD PAYBACK FEE $ XXXX & {$4000.00} = {$4100.00} TOTAL FOR YEARS! IT IS LIKE FREE FREE LOANS!!! SOMETIMES WE TAKE ADVANTAGE OF THIS TO BUILD UP OUR RENTAL HOUSE BUSINESS..OUR CREDIT CARD COMPANIES NEVER EVER COMPLAINED! NOW, THIS YEAR XXXX WE ARE TRYING TO GET A CONVENTIONAL HOME LOAN $ XXXX TO PAY OFF THE REVERSE MORTGAGE! WE GROSS ABOUT {$33000.00} A YEAR. EVERY LOAN APPLICATION HAS BEEN TURNED DOWN BY SEVERAL LENDERS, BASED ON OUT CREDIT REPORTS ..WHICH ARE LOADED WITH ERRORS!!! WE ONLY HAVE 2 CREDIT CARDS & WE ONLY ONLY USE ONE! WE CLOSED ALL THE OTHER ACCOUNTS EARLIER THIS YEAR! THEY SAY ALL KINDS OF LIES ABOUT ON OUR CREDIT REPORTS!!!! " INSUFFICIENT LIQUID ASSETS ... .DEBT TO INCOME RATIO ... .LACK OF RECENT INSTALLMENT INFORMATION ... .TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED ... .TIME SINCE MOST RECENT ACCOUNT OPENING IS TOO SHORT... .RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH ... .IM XXXX XXXX XXXX ... IVE BEEN IN HOME CONSTRUCTION FOR MANY YEARS!!! I BUILT MY XXXX XXXXXXXX XXXX ON MY XXXX ACRES IN ABOUT XXXX ....! MY ELECTRIC BILL IS {$20.00} A MONTH, YEAR ROUND, FOR MANY YEARS & I HAVE ALL THE ELECTRIC BILLS TO PROVE IT!!! & MUCH MORE! THANK YOU FOR HELPING US!!! WE ARE TRUE PATRIOTIC AMERICANS!

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 2023-03-17
Company: SN SERVICING CORPORATION
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I inherited a house from my mother 7 years ago there was a mortgage with XXXX XXXX at the time of her death the property wasn't in default. XXXX XXXX wouldn't allow me to assume the loan as per federal law and caused the loan to go into default by making me submit the same paperwork over and over than telling me the time expired and having to start all over again while going through this process they filed foreclosure on the property. At the foreclosure hearing the court ordered in my favor as they hadn't followed the law and the court dismissed the foreclosure and advised their attorney to advise their client to correct their error which they refused to do. The response I got from the bank was being jerked around and they filed numerous foreclosures which they ultimately I filed bankruptcy. After the was bankruptcy dismissed. They have supposedly sold the loan but I don't know to who. They can't or won't account for the XXXX I paid during Bankruptcy. I went into bankruptcy owing XXXX I paid XXXX and after bankruptcy I still owe XXXX. So now the bank has violated my rights as a heir to my property which has been my primary residence since 2009 they are also in violation of Federal Law and in contempt of a court order and they are still trying to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: OH
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:
n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX has 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Account # XXXX XXXX XX/XX/2023 Balance : {$7600.00} I called the company XXXX credit card many times and trying to be help with my interest, I always paid on time but for health problem I wasn't available to pay the mnimo amount.when I called they say they not available to helping me with a payment arrangement and say Not.I was calling many time and trying to speak with differents customer services and say the same thing .we don't have any plan payment for you right now.trying to explain my wife was diagnostic with XXXX XXXX, Never wants to lissing.

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