BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
Company: Professional Collection Service Inc (GA)
State: AL
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:
Please disregard the submission from XX/XX/2020 To Whom It May Concern : I have recently been informed that there is negative information reported by Professional Collection Services in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$55.00}. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily with 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Experian Information Solutions Inc.
State: CA
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:
The reporting agencies are mistakenly using the credit card of another as if it was my own. 
My name is XXXX XXXX XXXX and my age is XXXX. They are mistakenly showing the credit card as owned by me. It is not and is the card of XXXX XXXX XXXX an accountant in another town. I live in XXXX XXXX and he in XXXX. The credit reports also show me as an employee of his in XXXX. I have never worked in his business or for him. 
The credit bureaus show I obtained this credit card about 9 years ago are in error. This is not my card and therefor I could not have used it. XXXX XXXX XXXX has confirmed to me that it is his card. I have filed complaints with XXXX  at least six times and the others as well. I have been told each time that it is my account. I do have a credit card with XXXX and the last numbers are XXXX. I have had this card about 4 years and rarely use it. 
Please help as this if painful and very difficult for me and I have spent many sleepless nights. 
Thank you very much. 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 2022-12-22
Company: Global Lending Services LLC
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:
Dear Consumer Financial Protection Bureau, I am not a credit doctor ; I am a natural human being, and a consumer who understands his rights in accordance with the Fair Credit Reporting Act, and the Fair Debt Collection Practice act. I am contacting you regarding Global Lending Services LLC, disputing inquiries they placed in my credit file that I am a victim of identity theft, and they were to block any fraudulent information they provide to the credit bureaus. In my correspondence with Global Lending Services LLC, my letter included my request for validation and deletion of the inquiries, and I enclosed sufficient proof of identity and relevant documents to verify who I am, and that I am a victim of identity theft. 
My initial letter sent certified mail ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022 and XXXX letter by U.SXXXX mail dated XX/XX/2022 which was my last letter to Global Lending Services LLC. 
I emailed them information XX/XX/2022, after speaking with XXXX of their representative on XX/XX/2022 ( XXXX ext. XXXX ), which was the last communication of any sort with Global Lending Services LLC. I received XXXX letters from Global Lending Services LLC, both dated XX/XX/2022, XXXX months later, which is well outside the time allotted to respond to consumer disputes according to the FCRA. 

Global Lending Services LLC has not provided any information I requested neither have they provided competent documentation bearing my signature, nor have they provided any relevant documentation. As a consumer Global Lending Services LLC is violating my rights, including but not limited to 15 USC 1681b ( c ) Fair Credit Reporting Act : Section602 ( A ) my Right to Privacy Section604 ( 2 ) Furnishing information Without Written Instruction Section 605 ( B ) Not Blocking Information on my credit report that is fraudulent Section 611 Not responding/ completing an investigation within 30 days Defamation Negligent Enablement of Identity Fraud Violation of Fair Credit Reporting Act Supporting documents related to this complaint are attached and uploaded to CFPB website as of the date of this communication. 

Sincerely, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a formal complaint against CBS for reporting invalid credit information. On XX/XX/2021, CBS reported a {$150.00} collection account on my credit report that is not mine. Per FDCPA laws, collection agencies have to send a written notice of debt to consumers before reporting a debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' Prior to reporting this erroneous collection account on my credit report, CBS failed to mail me any letters making me aware of the debt or validating it belonged to me. According to CBS ' own website, they mail customers at least three collection letters coupled with phone calls. After reviewing all the mail captures sent by USPS Informed Delivery to my email and my phone 's call history, I confirm I never received any letters or phone calls from CBS, notifying me of this debit. I am requesting this inaccurate collection account be removed from my credit reports at once. It is causing grave damage to my credit reputation and is unfairly hurting my credit health. Every step must be seized to ensure the data reported on a consumer 's file is error-free and up-to-date. Should you fail to swiftly remove the collection falsely reported, I will file a formal complaint with the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: CA
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 is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX  XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$690.00}, XXXX  XXXX Balance : {$1600.00}, XXXXXXXX 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 2021-08-20
Company: Rocket Mortgage, LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I filled out an application with Rocket Mortgage to purchase a manufactured home. I spoke with a loan officer who also pulled up the listing and we discussed the home while filling out an application. We paid {$500.00} to move forward and had our credit pulled. From XX/XX/XXXX - XX/XX/XXXX, we heard absolutely nothing. My realtor had to contact the company multiple times to get an appraisal scheduled. Two weeks after the appraisal had been performed, my realtor called the company to figure out what was going on. At that time, we were told that they would not fund the loan because they do not fund manufactured homes. Along with that, they updated the Loan Estimate with an appraisal fee of {$900.00} but still never contact us to discuss this issue. I had to call and email on XX/XX/XXXX to get some sort of answer. Then I was told that I would only get my money refunded back after the appraisal fee XXXX {$900.00} XXXX and credit bureau fee were taken out. During that same phone call, I was told I would be contacted XX/XX/XXXX after they performed research to verify it was a mistake on their end. That is absolutely inexcusable. It should not have taken 6 weeks for them to decline the loan. The listing shows it was a manufactured home, the tax record shows it is a manufactured home ( and the taxes were verified within days of the application ), the appraiser asked the company if it was a manufactured home. There were multiple times that the company could have contacted me to discuss this issue. They also told my realtor that they were never told it is a manufactured home. The individuals I have spoke to have been very gracious and kind but this is absolutely unacceptable. I can not get this house financed before the contract ends because of the egregious neglect to communicate or even research the property. A simple glance by the company at the listing ( which was done by the loan officer during the application ) should have been more than sufficient for them to know whether or not to move forward with the loan. It should not have taken 6 weeks or even 2 weeks from the appraisal for them to explain they don't loan on manufactured homes. That is absolutely their choice not to offer loans on manufactured homes but their gross negligence in not communicating and taking 6 weeks to even discover this has cost my family a home and land.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The chapter XXXX bankruptcy is suppose to be removed from my credit report the account is over 10 years old. Also the other bankruptcy witch is chapter XXXX 3 times do not belong to me

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: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am writing to file a formal complaint against US Bank with the Consumer Financial Protection Bureau ( CFPB ) regarding their denial of my dispute on my debit card transaction and the subsequent closure of my account. The disputed charges were related to the presence of roaches in my weekly hotel room at XXXX XXXX. Despite providing evidence and documentation from XXXX XXXX confirming that they had sprayed for roaches during my stay, my dispute was unjustifiably denied by US Bank. 
On [ Date ], I filed a dispute with US Bank regarding unauthorized charges on my debit card for my stay at XXXX XXXX. In my initial dispute, I specifically mentioned the issue of roaches infesting my hotel room and emphasized the inconvenience and health risk it posed. However, to my astonishment, US Bank denied my dispute without any reasonable explanation. Furthermore, in response to my dispute, XXXX XXXX provided documentation confirming that they had indeed sprayed for roaches during my stay. 
They admitted that some roaches may have attempted to seek refuge in my belongings as a result of the extermination process. Additionally, when I requested a refund from XXXX XXXX due to their failure to address the roach infestation in a timely manner, they agreed to provide a refund. 
To my utter perplexity, US Bank not only denied my dispute but also proceeded to close my account. Furthermore, they are now recharging me for the charges from XXXX XXXX that had previously been disputed. This unjust action by US Bank is in direct contradiction to the evidence I have provided, demonstrating that XXXX XXXX acknowledged the presence of roaches and offered a refund. 
I request that the CFPB thoroughly investigate this matter and compel US Bank to rectify their erroneous denial of my dispute, reinstate my account, and cease any attempts to charge me for the disputed transactions. I also urge the CFPB to take appropriate action against US Bank for their unjust treatment and disregard for consumer protection. 
Please find enclosed

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Attached is a copy of the letter I sent to Transunion on XX/XX/2022 : XX/XX/2022 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, PA XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Disputing Information in Credit Report. 
This item XXXX XXXXXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed This item XXXX XXXX XXXX inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item XXXX  XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 
This item DPT EDXXXX XXXX XXXX is inaccurate because the name and address on file doesnt belong to me I am requesting that Transunion have the item removed. 

Please contact the nationwide credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, 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 2019-01-27
Company: R.A.Rogers, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I file a complaint earlier against this company and they responded that I have file five compliants againt their company about this collection. I was unaware that their was a medical collection on my credit report until I applied for a car loan and was told that a medical collection was place on my credit report, that was XX/XX/2018. I was never notify by the hospital or a collection agency that I have a medical collection. I learned about this collection from the creditor whom I applied for a car loan. That when I disputed this collection not five times that the collection agency is claiming which is false. I receive a recent collection notice from them for first time about this debt. l am submitting a copy of the collection letter that was sent along with the hospital payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Senex Services Corp.
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: Old information reappears or never goes away

Complaint:
The collection account was deleted off of my XXXX  and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy. 

15 U.S.C 1681 section 604 A. section 2 states that a consumer reporting agency can not furnish an 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 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This does not belong to me. It is a clear case of fraud. 
Please take appropriate action on this in accurate account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a complaint in XX/XX/2023. I requested for unauthorized items listed on my report to be removed. I attached all documents needed to complete this process, but only selected items were removed. Per the FCRA, section 609, I am requesting all information pertaining to the attached inquiries. I am legally entitled to all documents related to each item, please include each original credit application and contract containing my signature.

If you are unable to meet my request, please remove all 7 inquiries attached. I am allowing 15 days for all items attached to be removed.

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation