BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Whom maybe concern I'm having problems With a dishonest company. Nationwide Recovery Service. I feel like I was the force to do Business with them. They never let me know about the contract law. That I was in the right not to business with this company. Now they put a debt collector on My credit report. I never sign a kind of release form with the company. I want to remove the company from all three credit bureaus of my credit reportthe reason for misleading and extortion money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: MA
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 am writing to file a complaint and seek assistance regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, I have not received a response from them to date. As a concerned consumer, I firmly believe that Equifax has an obligation to comply with federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The inaccurate information on my credit report involves the following accounts : 1. Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}. This account does not belong to me, and I kindly request that it be promptly removed from my credit report. 

Account Type : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Your reporting of this account contains inaccuracies. The reported balance of {$2000.00} is incorrect, as I believe it should be a lower amount. Furthermore, the Past Due amount should not be presented, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the matter with the creditor. Additionally, I kindly ask you to verify the accuracy of the Date Opened, Date of Status, and First Reported for this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-16
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt was the result of identity theft. I already attempted to resolve this with the company directly but they refused to remove the amount from my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
My wife, XXXX XXXX, is the primary card holder and I am an authorized user. She first added me to her XXXX card in XXXX, around XXXX/XXXX, when I first moved to the XXXX. 

We had a slight upset in our marriage around XXXX XXXX and she removed me from her card. Things were fixed and I was added back to the card around XX/XX/XXXX, 8 months ago. 

Since then I have made numerous calls to XXXX XXXX   and the credit agencies to find out why this card is not being reported properly as it doesn't show up on any credit report. I have used my card multiple times so we know that isn't an issue. 
XXXX XXXX  say they're reporting correctly and the credit agencies say there aren't any problems their end. Essentially I'm stuck in the middle and no one will take accountability as to why this credit card isn't showing on my report, choosing to blame the other instead. 

Since being added as an authorized user in XX/XX/XXXX I have obtained various lines of credit that have all been reported fine, one being another credit card and the other being a car lease. There has been no issue reporting either to the credit agencies.

I have received 3 letters from XXXX XXXX  stating they are reporting correctly, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX however this does not seem to the the case. 

Every time I call XXXX XXXX  for an update they confirm my personal information and tell me to wait 30 days. The first few months they had the incorrect SSN for me, they only noticed after several phones calls from myself. The next few months I noticed they weren't using the correct credit card number so I wouldn't ; t have been associated with that account. It seems like there has been numerous errors at XXXX XXXX  and I'm the one suffering.

Today XX/XX/XXXX I spoke to XXXX XXXX  following up with my latest enquiry only to find out nothing has been done for 3 weeks. Allegedly they tried to call my wife to confirm SSN, DOB and our names. I have been told to wait another 30 days.

This card is in good standing, payments are not missed and I am losing out on the benefits to my credit report. Even if it was 1 point a month that's still 8 points. We also pay an annual fee for this card which seems insulting given the lack of service received.

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 2023-01-17
Company: United Built Homes LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I bought land and dirt and then paid United Built Homes ( United Built Homes is a Bank, A Mortgage Company, A Lumber Company, A Warranty Company and a Builder ) to build a shell home on XXXX XXXX in XXXXXXXX XXXX. I paid United Built Homes half with a cashier 's check on XX/XX/2021. They claimed my home was substantially complete and asked for the remainder. After we had an engineering firm ( structure ) and an HVAC inspection we were notified there are structural and HVAC defects. The ceiling could collapse in our family room if left as is. United Built Homes was notified by certified mail. United Built Homes ' reps referenced the contract ( where it states that I must accept the home even though it's defective and I also must accept home if it is not in liv-in condition. ) I asked United Built Homes to fix but they refused and filed foreclosure against my house instead of fixing defects. I either have to accept a dangerous defective home ( shell ) as is and pay the remainder or I have to loose my life savings that is tied into this home. They advertise on their website ( International Residential Code standards & oversight - ( my house was built with little to no oversight and certainly not Residential Codes ). They also lied about the size of the lumber which could have caused an accident. ( This home building agreement is a cash deal for a shell. I did not see any categories that fit my circumstance. If there is a better profile for my situation, plese let me know and I will re-file. )

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 2018-12-16
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Fake XXXX XXXX XXXX account was opened using my name and social. I attempted to resolve this problem with XXXX XXXX XXXX directly but they refused to remove the claim even though it was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
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 Credit bureaus are reporting erroneous information on my credit file

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 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct the following items as soon as possible : 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 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 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

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 2023-07-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Me and my wife joined 3 years ago XXXX XXXX XXXX XXXX. The got the personal loan I had with XXXX XXXX XXXX because my wife signed as cosigner. During the debt consolidation program XXXX  collect some of the debt from my wife through XXXX XXXX XXXX but they did report it to XXXX and XXXX as rightoff and bad credit and they didn't report that some of the money is paid off. This happened also with Bank of America. Here I paid some of the debt through XXXX XXXX XXXX but is not reported to 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 2023-05-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I mailed two certified draft checks from XXXX XXXX on XX/XX/2023 and PayPal still has updated my file.My credit report and available balance was not updated. I reached out to PayPal several times on the phone and chat. The representative told me in the chat that to refresh screen and would available. I called talked to a XXXX on the phone asked to speak to the corporate office team to file a complaint he stated couldnt do that. I explained to him about the California law a verbal agreement is the same as contractual agreement. The check cleared from XX/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 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge on XXXX by mail. The company never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Global Lending Services LLC
State: IL
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:
Inaccurate reporting has been detected on my credit report. My credit report states that I am past due on a loan that has been paid for in full. GLS send a letter to me on XX/XX/19 that states my loan is paid for in full and that I owe a balance of {$0.00}. 

Supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Transunion did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Transunion is allowing this to occur.

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 2021-06-07
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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: CAINE & WEINER COMPANY, INC.
State: ID
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:
On XX/XX/2021 an item on my credit report listed as Caine & Weiner was removed. It has now reappeared on my credit. 

This item was not verified and valid under the FCRA and by law had to be removed and cease all further collection and reporting actions. This has not been followed. 

This needs to be removed permanently, immediately, and as this is pending legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with the Bank of America on XX/XX/20 during COVID-19. After losing my job due to the pandemic, I immediately changed my unemployment payment to be deposited into this account. On XX/XX/20 I logged into my mobile banking account and noticed a hold, immediately I went to the branch, were I was advised they would not close the account as I was able to provide proof of identity. The following day on XX/XX/20 I was advised that my account would have to be closed because the branch agent " did not do her job '', and in order to receive the funds, myself and my spouse would need to go to a branch so a cashiers check could be issued for the amount, and nothing would be done to close the account until that day. On XX/XX/20 we entered a branch only to be advised that the account had been scheduled to be closed on XX/XX/20 and a check would be issued and they would not be able to assist us at the branch. We were then advised to allow 10 business days from the XXXX for the check to be received by mail. After not receiving the check during the advised time ; On XX/XX/20 I called again and spoke with several customer service agents before being directed to the risk closure department for assistance. That same day I spoke with a gentlemen who advised me to give it an additional 2 days to receive the check because if they cancelled the check I would then have to begin the process from the start and it could take longer. He advised if I don't receive it in the following two days I can call back and give my new address and they would reissue a check that same day ( had to move back home because once again we are in a pandemic and I am unemployed ). Today XX/XX/20 I call back and am told they are unable to reissue a check. I have to allow them 90 days ( until XXXX ) to give me money I desperately need because again, we are in a pandemic that caused me to lose my job. Everyone is unwilling to help or come up with a reasonable solution. I have been waiting for these funds for nearly a month now.

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 2023-07-10
Company: EQUIFAX, INC.
State: IA
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:
Equifax has been reporting some inaccurate inquiries on my credit file that have been hindering me, ive reached out to them multiple times and don't see where I was responded back to the previous time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
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:
My personal credit report has a delinquent account referring to " Utilities '' from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX. I have tried to contact them to find out what this is for and can not reach a representative. When I call, a recording trying to sell everything from car insurance to XXXX XXXX comes on. I do not have any idea what this is for. The first delinquent date of XXXX XXXX  report is noted XX/XX/2020? The account # from them is noted XXXX. and is noted as " individual account '' all of thisinformation is included on the file attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts. Please remove them.

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 2018-09-30
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Common wealth financial is listed on my credit report and they did not send me a dunning letter to give me a chance to challenge the debt.I am letting the cfpb know i have never had an account with this company and they can not prove i have ever had an account with them so why are they listed on my credit report with all this inaccurate information. I have no idea who they are and why they think it is legal to report this inaccurate information on my credit report.They have my social security number and i did not give it to them which is identity theft. I want all my information deleted from their database, office and files. I am asking for debt validation and contract or agreement i have with their company. If a collection agency do not validate a debt and they still report to the credit bureaus is violation of consumer protection afforded by the FDCPA section 809 ( b ) FTC opinion letter XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-30
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX credit card # : XXXX, and XXXX XXXX credit card # : XXXX is lost/stolen. All of the transactions on the accounts are all fraudulent and unauthorized. I have never used my XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX credit card.

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 2020-09-17
Company: EQUIFAX, 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:
Equifax and XXXX should not be reporting a collection/chargeoff in the amount of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and I have never had a XXXX account. I filed a Police Report to show this account is fraudulent. ( I have attached a copy of the police report for reference. ) I called XXXX and spoke to a representative that informed me that this account was for four ( 4 ) XXXX. I never placed any order for XXXX nor did I give anyone permission to order these phones. The representative from XXXX would not investigate this false order and consequently told me regardless I was responsible for the debt. Again, this account does not belong to me. This false reporting of a collection/chargeoff is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.

Company response to consumer: Closed with explanation