BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My wife and I have been disputing a debt with our old landlord since XX/XX/2022. In short, they are assessing damages to the apartment, specifically to the carpet, which they claim go beyond normal wear & tear. We have argued with them back and forth for some time, asserting that the photographs provided do not amount to carpet damage and that they willingly chose to fully replace all carpets in the unit when there was no need to do so and simply want us to foot the bill. 

On or about XX/XX/2022, we received a written notice from Genesis XXXX XXXX d/b/a Columbia Debt Recovery, LLC , informing us that the apartment complex had referred the debt to them for collection. On XX/XX/2022, we forwarded the email chain with the apartment complex to the email provided by the collection notice ( XXXX ) along with the reference number for the case. In the email we referred them to the apartment complex communications and again stated that we disputed that a debt was owed and to bring an action in small claims if they wished to pursue the matter further. 

We received an automatic reply email from the debt collection agency indicating that our response was received and that someone would get back to us within 7 days. We never received any additional communications regarding the debt from Genesis, either via mail, text, email, or phone. 

This morning, 30 days after receiving the collection notice, we were informed by our credit agency that Genesis had reported the debt as owed and that it is now affecting our credit scores. No one at this agency picks up the phone and we have been unable to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 have attached an FTC report with fraudulent unauthorized inquiries

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 2022-04-30
Company: EQUIFAX, INC.
State: AL
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:
THIS IS NOT A DUPLICATE REPORT. I AM ASKING FOR THE ITEMS TO BE DELETED FROM MY CREDIT REPORT In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) XXXX XXXX XXXX 2 ) XXXX  3 ) XXXX XXXX XXXX  15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) 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 USC 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. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My Identity has been stolen and several accounts have been opened in my name. I have submitted several disputes but these accounts are still on my report after I have submitted a police report and identity theft 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 2023-03-20
Company: Experian Information Solutions Inc.
State: MO
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:
Complaint is against Experian for falsely reporting on my report and also their employees that failed to attempt to investigate wrong information. The second agent that I spoke to actually lied to me and promised me a call back from a supervisor within 24 hours. Experian failed to call nor did they investigate which caused me to have wrong information on my credit report. Experian has a long history of violation of consumer laws. They have been extremely neglectful of consumers by trying to exhaust them in transferring them from place to place and refusing to investigate. I am a XXXX person and these senseless stressful calls are very harmful to my health. Because of their neglect I have false information on my credit report and Im demanding that it be corrected immediately. I also demand that Experian display to me how I will receive fair an impartial customer service in the future. 
15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 
When I called in to report that there were two inquiries on my report that I did not authorize I was transferred to the so-called specialty department after I had exhaustively explained the issue. The first agent made no temp to resolve. The second agent was rude and didnt let me speak enough to understand the situation. She cut me off and made no attempt to resolve the issue and lied to me and said that I would be called within 24 hours. I was not called. This pathetic customer service cost me a great deal of wasted time and stress and causes me damage by having inaccuracy on my report. It is not something the police have jurisdiction over. Experian tries to exhaust their customers leaving them without an accurate credit report. I have a legal right to an accurate credit report. Experian is preventing me from having that. 
I demand that the two inquiries mentioned on my XX/XX/XXXX call be removed as the company checked my report without my knowledge If you are not sure which inquiry that I am referring to please contact me at home and we can listen to the recorded call. 
I also demand an explanation of how Experian will provide adequate investigation in customer service in the future. They also failed to respond to the Better Business Bureau complaint

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 2022-04-30
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:
.First I would like to say there has been a violation of 15 U.S code 1681b, which states " a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions of the consumer to whom it relates '' which I never gave. I checked my credit report and found items that were being reported inaccurate and false. There has been another violation of 15 U.S code 1681c, which states " This subchapter clearly states no consumer reporting agency may make any consumer report containing any of the following items of information ; accounts placed for collections '' which is inaccurate and being reported anyways. A third violation of 15 U.S code 1681e says " Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user consumer report '' which never took place. These items being reported are causing actual damages and causing me to be denied things needed to provide for my children and household. They have been put on notice with a notarized dispute letter via certified mail.

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 2021-03-22
Company: Weber & Olcese, PLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was sent a letter from Weber & Olcese, P.L.C. had been retained by XXXX XXXX XXXX which is a violation 15 USC 1692e ( 3 ) the false representation or implication that any individual is an attorney or that any communication is from an attorney. The letter stated this communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose which is a violation of 15 USC 1692 b ( 2 ) not state that such consumer owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY IS SENDING ME A BILL IN MY PERSONAL NAME FOR DEBT COLLECTIN I NEVER PERSONAL GUARANTEE THIS ACCOUNT IT WAS COMPANY ONLY COMPANY LIABILITY ACCOUNT AND NOW THERE TRYING TO COLLECT ON A BANKRUPT COMANY IN MY PERSONAL NAME I WAS JUST A BILLING CONTACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all consumer reports

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 2023-01-07
Company: Grain Technology, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
In XX/XX/2022 my account was locked and I could not get back into the account to pay my bill I reached out to grain but did not receive any help. They reported me late to the credit bureau. But they also took a payment that month. I managed to get back into the account by acting as if it was a new account but a week after I was locked out again. I now have 4 missed payments from them the most recent being in XXXX but I can pay my account because I dont have access to my account they have the ability to take payments whenever they want in XXXX they took 2 payments from my account. Ive asked them to just take whatever I owe and close the account but I havent gotten any response back when I check reviews there are hundreds of reviews saying the same thing and my fianc has grain and is going through the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Information is missing that should be on the report

Complaint:
There is NO WAY Trans union, XXXX  or XXXX  can generate a factual timely up to date and correct credit score based on their method of operation.= a flawed fraudulent method by opinion of scores and reporting facts! As example- to get a Heloc loan a creditor must hold a XXXX score- HA Most Americans fall woefully short! What Credit Score Do I Need to Get a Home Equity Loan or HELOC? Your credit score is an important factor in qualifying for a home equity loan or HELOC. A FICO Score of at least XXXX gives you the best shot at qualifying for a home equity loan or line with good terms You may be able to qualify for a home equity loan or HELOC with a score between 660 and 700, but you will be charged a higher interest rate, and lenders may require that other financial factorssuch as your overall debtare in extra good shape. This agency is a culprit in that their recent report to me and my wife reflect an abundance of incorrect information. The fact they rely on the banks and lenders is by an opinion a biased incorrect and damaging approach. We are all being held hostage by them all by design or incompetence. To this statement anyone can apply the facts and truth as I have stated. To think the CFPB will act for the individal is also a misnomer and charade/

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 2023-05-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
NAME : XXXX XXXX XXXX-EQUIFAX-XXXX DATE : XX/XX/XXXX XXXX have reviewed my credit report and found there are several inaccurate data points within my personal identification which the listed bureaus are reporting. 

My only name : XXXX XXXX ( Please delete any other name you are reporting that does not match. ) My only address : XXXX XXXX XXXX XXXX, XXXX, IL, XXXX ( Please delete any other addresses that you previously reported. ) NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , IL, XXXX DATE OF BIRTH : XX/XX/XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: AFNI INC.
State: MS
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:
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I found many disputes with Equifax XXXX and XXXX. My dispute always come back updated which there's nothing that changes. under the FDCP act. All of my requests have notes of inaccurate information I've asked many times for documentation. I've asked for a copy of the original agreement or contract for this alleged debt if the original creditor has sold or transferred this debt then a. Copy of the agreement of original creditor and XXXX XXXX XXXX that grants the authority to collect this debt. Under the FDCP ACT no information shall be on my credit report if it's not 100 % accurate. And XXXXXXXX XXXX has inaccurate information on my credit report and XXXX Equifax and XXXX are saying they 100 % investigated. Which is false information not accurate and still leave on my report. I believe they should be fined for not 100 % accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received a call from Chase bank customer service number and there was a gentleman on the phone claiming to be from Chase fraud. The man said that ther was some suspicious activity on my account and if I was trying to make purchases at an out of state XXXX store. I told the gentleman no and he said well it looks like your account has been compromised. Now mind you this guy was calling me from the actual chase customer service number. He also represented himself as a Chase employee. In any case the guy advised me that were going to close the so called comprimised account and open a new account a long with replaccing my debit card any other other thing that goes a long with Chase banks protocols for accounts being compromised. So the guy had my credentials and guided me through the app to supposebly open a new account. In any case the guy tricked me into wiring him {$1300.00} that I thought was a transfer of funds to my new account. When I figured this guy was scamming me I immediately called Chase fraud and asked them to recall the wire. They initiated the recall and then I get a message from Chase saying the beneficiary denied the recall. So then I contacted Chase to find out where the money went. They gave me the run around for XXXX weeks then they finally give some information on the recipient. The fraudsters name was XXXX XXXX and the the receiving account was a XXXX XXXX account they also gave me an account number that turned out to be an account that did not exist at XXXX XXXX, I cntacted XXXX XXXX XXXX  to see if they had any information on this individual. They checked all their records and databases and told me that this person and account does not exist within their institution. So then I called Chase and asked them why would as wire go through if the account did not exist. They could not give me an answer and sti ; l ; refuse to tell me were my money went. All they keep telling me is that I was the one that approved the wire and that it was not fraud. The last manager I spoke with said I would have to go to court and supeana Chase bank to get them to tell me where my money went. Here are the names of the people I spoke with at Chase. 
XXXX XXXX Mid XXXX XXXX Claims Department XXXX XXXX Customer Service Manager- Fraud Department XXXX XXXX Customer Sevice Rep- Fraud Department .

I am still working on gettting answers from their wire fraud department but am not receiving any responses from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: GA
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 asked Equifax for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.

Company response to consumer: Closed with explanation