BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: EQUIFAX, 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:
All fraudulent inquiries on my report that needs to be removed immediately and there was jo consent given to put them on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent 3 certified letters to XXXX, XXXX, and transuion regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. XXXX, XXXX, and transuion is reporting inaccurate information regarding this account. This is a violation of the FCRA law.

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 2021-10-20
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/2020, a fraudster used my information to apply for a Lowes credit card with Synchrony Bank. I have a freeze on my credit with a fraud alert due identity theft in the past. Since finding the hard inquiry on my account over a year ago, I contacted Synchrony Bank numerous times to get the inquiry removed and it is still there. Given the freeze on my credit, it should have never made it to a hard inquiry in the first place. I am reaching out to the CFPB for help since I was not able to resolve this on my own and after at least 4-5 phone calls to Synchrony.

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 2018-02-01
Company: Midwest Recovery Systems
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I would like to make a complaint against Midwest Recovery Systems, XXXX with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX which had a 1st delinquency reported on XX/XX/XXXX with an alleged balance as of XX/XX/XXXX of {$1900.00} and the original creditor was XXXX XXXX. This account needs deleted under title 15 u.s.c. 1681 ( i ) since they have violated the FCRA and FDCPA according to the following codes. The Kansas statute is K.S.A. 60-511 ( 1 ) Actions Limited to Five Years and K.S.A. 60-512 ( 1 ) Actions Limited to Three years for the collection agencies. Statute of limitations was up on this account on XX/XX/XXXX which was five years from the first date of delinquency and Midwest Recovery has now violated the FCRA and FDCPA and the following violations : 1. Creditors or collection agencies if they try and re-age the account violates FCRA Section 605 ( c ) Running of the reporting period and re-aging the account by re-aging the account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer and this a fine of {$1000.00}. 
2. Creditors if they report your credit history inaccurately and the fine is extent of damages incurred by the wronged party as deemed by the courts. US Court of appeals, XXXX circuit, NO. XXXX, XXXX vs. XXXX XXXX. 
3. Midwest Recovery Systems also violated Protection under the FDCPA because misrepresentations by the collector about themselves or the debt are actionable regardless of intent and the following case law of XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) support this. This is also a fine of {$1000.00}. 
4. Midwest Recovery Systems also violated FDCPA Section 809 ( b ) because they have never validated the debt I have disputed after the date of XX/XX/XXXX and this is a fine of {$1000.00}. 
6. Midwest Recovery Systems also violated FDCPA Section 806 because the collection agency can not use any kind of harassment or abuse and he has abused me and my credit by reporting negative and inaccurate information on my credit report and this is also another {$1000.00} fine. 
7. Collection agencies if they do not validate your debt yet continue to pursue collection activity and this is a violation of FDCPA Section 809 ( b ) and a {$1000.00} fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
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:
This letter is to inform you that I recently received a copy of my credit reports from XXXX   and Equifax and after reviewing my reports I found a number of items on the report that are inaccurate. The account in question is XXXX and please see the information provided from employee XXXX XXXX ( Customer Service Manager ). 

Today on XX/XX/XXXX I spoke with XXXX to discuss my reporting and she advised that the account was closed XX/XX/XXXX. On my Transunion report the date reported is XX/XX/XXXX. In addition, the first date of delinquency was XX/XX/XXXX however, in the payment history for XX/XX/XXXX the account is listed as OK. However, in my Equifax file, the date of first delinquency is listed as XX/XX/XXXX. Cleary, there is no merit amongst the reportings and you are in clear violation of the FCRA. 

Please send me copies of the documents that you have in your files as of this date that you used to verify ( not validate ) the accuracy of the account listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified but send me copies of the documents that you have in your files that were used to verify the reportings for XXXX If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed from all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Consumer Portfolio Services, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/XXXX I decided to work with XXXX XXXX XXXX  to purchase a new vehicle. I was denied because they wouldn't accept the check stubs we get at my place of work. Which is direct violation of 15 usc 1611. Therefore it has caused me harm and stress. Furthermore I asked for there TIN and I was denied and given a false cooperate number by one of there associates which we have on recording. We will be sending our intent to sue letters to this company as well. This is also in direct violation of 15 usc 1635 and this will cost this company. Also thank you for that rude as phone call on XX/XX/2022 and giving false infortmation. That agent needs to be fired not understanding consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I have been working with New American Funding for two months for a refi, and it has been months of requests for more sensitive financial paperwork, delays, mysterious escalations in garbage fees and appraisals, and just general foot dragging.

Today we received a cold call from someone who said NA Funding had retained them to set conference calls with all of our lenders to determine if we were paying our mortgages. The credit reports NA Funding already has in hand prove that we have met every single loan obligation on several mortgages, some going back months.

We also feel NA Funding has coerced us to close an existing HELOC with XXXX XXXX XXXX XXXX, and keeps trying to have us borrow more than the amount necessary to do the refi.

We don't feel that they are acting in good faith, and we are very unhappy with our experience.

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian Report # XXXX Date XX/XX/2018 There has error regarding with address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX is not correct due to it has no number and not my address the correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: IL
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 have sent more then 2 rounds of dispute letters to Experian regarding a account ( XXXX XXXX ) that is being inaccurately reporting on my credit report that needs to be removed. Its not been fully validated and should be remove immediately.

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 2018-02-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AMERICAN EXPRESS COMPANY
State: RI
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 received a discharge for my CH XXXX Bankruptcy on XX/XX/XXXX. Nonetheless, several credit card companies continue to show late payments or other derogatory marks against me on my credit report. It shows up and weighs down my FICO account, and is hurting the Interest Rate I'm able to receive on my home refinance. I reached out to all of these companies through XXXX XXXX website, but the majority of them were unwilling to correct the false information. Its so frustrating, and feels criminal! I know there's bigger problems in the world than this, but its frustrating because it seems so simple to fix, and should have been done years ago. I have included PDF 's and screen shots that show which companies are included. 

None of the follow should show any derogatory marks or late payments. Its included in the PDF 's as written ( " XXXX  - False Late Payments on Credit Report pre-bankruptcy XX/XX/XXXX '' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SLM CORPORATION
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am the cosigner of my son 's loan. He has been unemployed for several months due to having XXXX in the beginning of the pandemic. After returning to work he was injured on the job and had XXXX which put him back out of work without pay. He was then terminated from his job and has not received any wages or unemployment wages. He obtained new employment however was injured on that job as well which caused him XXXX stitches. Do to his most recent injury. He is unable to work at this time per his doctor. He is currently out without pay again. Prior to all of this we utilized Sallie Mae 's lower repayment option and their deferment option however they refuse to offer any other options. 

I am not in a position to repay the loan at this me. Our household has been gravely affected by the pandemic. We are severely behind in our rent due to loss of employment for several household members which otherwise would be able to contribute to our cost of living.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Avant Credit Corporation
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Avant Continous calls from different phone numbers all hours of the day {$6000.00} balance??? 
Please remove from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Harris & Harris, Ltd.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called Harris and Harris keeps calling our landline number saying we owe a debt. We do not have any debt and believe this is a scam call. Review online about the number calling us ( XXXX ) and asking we call them at ( XXXX ) indicates this is a scam company. We don't want to answer the phone or give any personal information. We'd like these calls to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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 recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
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 belongs to someone else

Complaint:
My name is XXXX XXXX and I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. Please see attached documents.

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 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have not provided me with any written documentation required under Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) 9A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Unverified accounts : XXXX XXXX  XXXX ( {$660.00} ) # XXXX, ( {$73.00} ) # XXXX, ( {$290.00} ) # XXXX, AND ( {$440.00} ) XXXX, XXXX XXXX XXXX ( {$5700.00} ) # XXXX, XXXX XXXX XXXX ( {$1300.00} ) # XXXX, XXXX XXXX XXXX XXXX ( {$190.00} ) # XXXX, XXXX XXXX XXXX  XXXX ( {$0.00} ) # XXXX, XXXX XXXX ( {$3000.00} ) # XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/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 explanation
Consumer complaint received 2020-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from this company regarding a debt they claim I owed. The representative used very abusive and controlling language the entire time and refused to let me get off the call. I explained I wasn't prepared to pay anything until they had mailed me proof of this debt and I gave her my mailing address. I also told her I wasn't sure how she had gotten the phone number she called but that it was my work phone number and she was not to call again. She asked for an additional number and I told her I wouldn't be comfortable giving that until I received their verification of the debt and would contact them after they sent that out. She stated that this would constitute a cease and desist on their end and that's how she had to log it and I told her if that was how she had to process that request to not call me on my work line again to do that. She said " Ok, but that's not what I wanted to hear and you will regret this. '' I have still not received anything in the mail from this company but yet received another call from them today, XX/XX/2020. I have records of both calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: WELLS FARGO & COMPANY
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:
I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE CHARGES ARE FRAUDULENT, THIS ACCOUNT IS NOT MINE. I HAVE ALSO REACHED OUT TO FAIR TRADE COMMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I have been disputing an old account with the bureaus. There is an account with XXXX XXXX for which I requested the payment history directly from the company and they have yet to respond to me. That was XX/XX/2020 and yet they supposedly respond to the bureaus. XXXX is showing that they validated the information however how can an account be 90 days late without ever being 60 or 30 days delinquent? That is just common sense!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Phoenix Financial Services LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Phoenix financial services sent a bill on XX/XX/XXXX for services rendered by the XXXX XXXX XXXX  on XX/XX/XXXX. All bills from this hospitalization were paid in XXXX. When I called phoenix they were extremely rude and abusive and they threatened to ruin my credit. When I researched this company with the XXXX XXXX XXXX I discovered almost 400 complaints for the exact same conduct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation