BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received an alert via my credit card on XX/XX/XXXX that my credit score had changed due to an account being placed in collections. When viewing this alert it was from a company called Genesis that I have never heard of or had any contact with. The {$130.00} charge was seeming from an apartment complex ( XXXX XXXX in XXXX, TX ) I lived in from XX/XX/XXXX - XX/XX/XXXX. All payments made while a resident here were made directly to the complex - Not through a third party and certainly not three years after lease termination. I immediately submitted disputes to all three credit bureaus and called the complex. The complex informed me that they had no record of us owing any additional fees and advised me to reach out to Genesis directly. I informed the team at Genesis that I had never received written documentation that this debt existed or notification that it would be sent to collections. While on the phone with the team there, I asked them to verify the contact information they had on file. The operator provided me with an invalid ( fake ) email address and the address where my parents currently live. Not only did this confirm that they did not attempt to collect a debt from me, but confirmed that this is likely a false debt as they did not have my legal name, an email address, or a valid address on file. The team member I spoke to informed me that they had indeed attempted to reach out so I asked for that documentation to be emailed to me, along with confirmation that he was starting the dispute process per my request. I provided him with my valid email address to send the above requested documents to me. As of today, XX/XX/XXXX, I still have not received any communication verifying that contact attempts were made or what next steps are in the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: GA
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX, Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) # XXXX Account name : XXXX ( Original Creditor : 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. 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 explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: OR
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 received credit notifications today, XX/XX/23, that there were new Hard Inquiries that I never made, on XX/XX/23. I called both banks and advised them it was attempted identity theft, they were very friendly, helpful and understanding and provided tips, including contacting the credit agencies, in this case Experian, who had reported the Hard Inquiries. I wanted to dispute the credit inquiries and attempted to do this online with Experian, but for these types of disputes I would have to call. So I called and they asked me questions that were odd and impossible to answer, how am I supposed to know what the fraudsters stole? I just know there are hard hits that aren't mine and the banks even confirmed that they used the wrong home address for me and denied them. Well, less than 2 hours later I get an email from Experian saying the credit inquiries were valid and will stay on my credit report. They obviously made no such effort to confirm anything and assumed I'm a liar.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX is reporting an inaccurate account on my reports that I have been disputing for quite some time now. 

They are reporting an open account with inaccurate late payments. How are the late payments accurate if this account is also reporting that there is no balance owed and no monthly payment? 

This account is also reporting that the last payment taken for this account was XX/XX/XXXX but as you can see in the attachment below, there hasnt been any reporting information on this account since XXXX of XXXX. It is the responsibility of the consumer reporting agencies to conduct a thorough and proper investigations into all disputes and it shows that this was not done pertaining to this account. 

These late payments are illegally reporting and I am demanding that this account is to be updated accurately on my reports and all late payments be deleted.

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 2019-04-24
Company: General Motors Financial Company, Inc.
State: OH
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:
I turned in a XX/XX/XXXX XXXX ( in lease ) for a new GMC XXXX. 3 months later my credit score dropped 90+ points. The credit check showed that GM financial put the a ding on my credit for 3 months past due on my old lease/ I called GM Financial and they said my dealer still owed {$42.00} on my returned car. I asked for a statement, as I recieved no notification from GM about this. They couldn't even say what it was for. The said they would fix it and my credit report would show nothing happened. 
We are now 6 months into it and my credit report has not improved. Still no explanation. I finally spoke with the dealership owner and they could find no information on what the " past due '' balance was about. They never received any invoice other than what GM Financing sent them at closing. I have copies of the invoice and the check. 
Now the dealer has paid GM Financial the supposed {$42.00} for the unknown charge. 
This may fix the mystery outstanding balance, but I am concerned that the blip on my credit will not be removed and my credit score will not  return to its original number. 
When I ordered all three credit reports XXXX the three bad marks are the only ones in my entire credit history which I have worked hard to maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2019-08-06
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN DESTROYED. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Netspend.comisascam,iboughtprepaiddebitcardfor{$100.00}fromthemonXX/XX/XXXX.

Customerserviceislieinganddoesn'tmetohavemymoney.DebitCardwaspurchasedfromnetspendfromXXXXXXXX.

Netspendwon'tgivememoneyfrommycard.

"XXXX''XXXXXXXXTexas.

Card#=XXXXexpiration=XX/XX/XXXXXXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXXXXXX ( This is not accurate. please remove this inaccuracy from my report ). 
XX/XX/2019 Inquiries : 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 2023-11-14
Company: 21ST MORTGAGE CORP.
State: SC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive already put in a complaint with the XXXX about 21st mortgage trying to collect a full payment of XXXX for XXXX mortgage payment. They had already received a. Default payment of XXXX and have cashed the check. They receive payments by check in mail and cash every single one. No notice my payment was short XXXX dollars before sending a notice about repossession of my home. I have no issue paying the amount I was short but they want the full payment for the month. When confronted with this issue through the XXXX  they closed all contact with me through them. I had to put to complaints in for them to finally respond to the second and sent proof of them cashing the check for my mortgage payment. I am in the process of finding a lawyer for their illegal activities. The attached files are from my mothers checking account. I dont have checks so she sends them in for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
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: Information belongs to someone else

Complaint:
I recently pulled my credit report. I found two accounts that I didn't open XXXX XXXX XXXX account # XXXX, opened XX/XX/2023, {$880.00}, XXXX XXXX XXXX account # XXXX, opened XX/XX/2023 {$1100.00}. I have never been in contact with this company, never sign any documents in reference to these accounts. No one has contacted about these accounts. I believe this is mistaken identity or someone has stolen my identity and opened these accounts in my name. 

In Accordance with Fair Credit Act this company has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. I am asking that this account be removed permanently.

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 2023-05-22
Company: TrueAccord Corp.
State: IN
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 was the original lender of this loan and payments were being made on time and withdrew from my bank account automatically. I spoke with a representative at the company about this matter as well. And to my knowledge it was resolved, however they sent my account and personal information to TrueAccord without getting in contact with me, and I have sense been receiving emails and other contact methods from someone named XXXX XXXX at all times of the day about my information. My information was sold to True Accord without my knowledge and it is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I need to get a balance sheet stating the payments made after account was closed. Also need current balance and status of account on company letterhead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: LA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I cant access online banking. It always show need to contact Synchrony Bank. I called Synchrony many times but cant resolve the issues. Thay keep telling to check again and again and again but until now it doesnt works. Today I called again & still they telling me to try again after 3-5days. Its been almost 2 months no access with my account. Only online is the access for this account. They dont have physical bank. How can I get my money? 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 explanation
Consumer complaint received 2019-12-19
Company: JPMORGAN CHASE & CO.
State: MD
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:
I have a mortgage with Chase Home Mortgage for the last 15 years. It has just come to my attention that my mortgage payments for the last 8 years has not been reported to the credit reporting agencies. I called Chase and they stated that when I filed chapter XXXX in 2011 and although I've been making payments until recently when I have experienced financial difficulty and they stated that since I didn't sign an affirmation statement, they never reported payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I XXXX XXXX Currently here fraudulent accounts and inquiries Appearing on 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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held the mortgage on my brother 's home. The mortgage payment was deducted from his credit union account monthly. Without any notification, XXXX stopped withdrawing money in XX/XX/2022. In XX/XX/2022, XXXX " sold '' the mortgage to Specialized Loan Servicing ( SLS ). Neither XXXX nor SLS contacted my brother to advise him of the change. 

In XX/XX/2022, I called his credit union to ask some questions about his mortgage. They told me they no longer paid it and suggested that I call XXXX XXXX. Because I am not on his account, XXXX XXXX could not give me specifics but the rep gave me a number for SLS. On XX/XX/2022, I spoke with a rep who said the loan was in default since nothing had been paid since XXXX. I sent a personal check to SLS for {$3300.00} to cover the XXXX through XXXX mortgage. The check was deposited into a XXXX XXXX Bank account. When I called SLS today ( XX/XX/XXXX ), the rep told me that they had not received the check and I should send a copy of the front and back of the check to customer.support@sls.net and then call him back on XX/XX/XXXX to see whether the check had posted. 

I believe XXXX purposely stopped collecting the monthly mortgage payment so that my brother was shown as defaulting on the payments and they could turn that account over to SLS, which is a collection agency. The terms of the mortgage are not supposed to change when a mortgage is sold but his rate went from 3 % to 7.75 %!!

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 2019-12-19
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:
I recieved a copy of my credit report an saw these accounts, i tried disputing them with the companies themselves but i have not been successful.The following accounts i would like removed from my credit report : XXXX XXXX {$28000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$130.00}

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below 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