BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-23
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX & XXXX ( Original Creditor : 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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information is missing that should be on the report

Complaint:
In XX/XX/XXXX, I submitted through the major credit bureaus a dispute regarding a late payment that was reported on my account to Trans Union, XXXX, XXXX and shouldn't have been. This late payment was never removed as requested, but instead the account in question that I have had for over 10 years was completely removed, improperly. The 10 year old account is still open, active, and in good standing. This account ending in XXXX is still on my XXXX and XXXX reports but is still not placed on my TransUnion report and hasnt been since XX/XX/XXXX. I have been calling and speaking with reps as well as responded to letters regarding this matter with no positive response. According to the FCRA all information should be reported properly. This has not been done as my account ending in XXXX still has not been placed on my Transunion report, nor has the incorrect late payment been removed. 

I have responded to the letter sent me by the company via certified mail on XX/XX/XXXX. It is XX/XX/XXXX and I still have not received any comments or feedback regarding this issue. Certified mail Tracking # XXXX. 

I contacted Transunion numerous times regarding this situation but have always gotten sent back to XXXX XXXX with no success, and my good standing 10 year old account missing from my report. 

I have attached the documentation showing its removal XX/XX/XXXX on the Transunion report. This document also shares the Transunion File Number.

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 2018-11-14
Company: EQUIFAX, INC.
State: NJ
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:
Equifax has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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:
I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).

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 2021-11-29
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: Account information incorrect

Complaint:
I recently looked on my credit report and seen inquiries I have not applied for. I contacted the credit bureau equifax and the other companys for the inaccurate information and still there has not been no inquiries removed from my report. I also have faxed over a photo of my iD, a cover letter on what has to be removed and my social security card and still there have not been no change. And I have highlighted to equifax that the FCRA ( fair credit report act ) states that anything thats unverified and unauthorized on my report should be removed. So I am requesting that these inquiries should be removed. XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Holloway Credit is attempting to collect a debt they can not legally verify and the statute of limitations has expired. Collection suits are generally based on breach of contract or stated account, both of which fall under the six ( 6 ) year statute of limitations provided in Alabama Code Section 6-2-34. Inside Alabama Code Title 6. Civil Practice 6-2-34, it states : The following must be commenced within six years : ( 1 ) Actions for any trespass to person or liberty, such as false imprisonment or assault and battery ; ( 2 ) Actions for any trespass to real or personal property ; ( 3 ) Actions for the detention or conversion of personal property ; ( 4 ) Actions founded on promises in writing not under seal ; ( 5 ) Actions for the recovery of money upon a loan, upon a stated or liquidated account or for arrears of rent due upon a parol demise ; I believe statute five ( 5 ) represents this situation most appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
As previously complained of in CFPB complaint # XXXX closed XX/XX/XXXX, as well as CFPB complaint # XXXX, closed XX/XX/XXXX- American Express BlueBird XXXX has again closed my account this day XX/XX/XXXX, allegedly under BMA section 22D again. This pattern of BlueBird arbitrary closing my account has not been explained except for the phrase : " feedback has been provided to the appropriate parties regarding this matter '', but yet this behavior continues to happen about every thirty 30 days. Being a service-connected XXXX & otherwise homeless U.S. Veteran, I must have confidence in the ability to access the little funds I do have. If I am violating the BMA, I should be told with specification on how and when this occurs. If BlueBird simply does not want me to have an account, they should tell me so that I can make other arrangements for prepaid services ; rather than leaving the impression... " the appropriate parties '' have been provided feedback regarding this " re-peated matter ''. In view of my pervious CFPB complaints, it seems that I am being personally targetted with this " account-closing harassment, '' for unspecified reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Resurgent Capital Services L.P.
State: NJ
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:
XXXX has been non-compliant with removing the unverified account LVNV FUNDING LLC which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that LVNV FUNDING LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Source Receivables Management LLC
State: NJ
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:
XXXX has been non-compliant with removing the unverified account SOURCE RECEIVABLES MANAG which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that SOURCE RECEIVABLES MANAG was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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 was writing to inform you that there are still items are my credit report that are not mine. Please have these items removed from my credit report immediately as they are not mine. I have already contacted my local police and the FTC. 

Bankruptcy Chapter XXXX-dischargedLLY FINANCIAL, Bankruptcy Chapter XXXX-dismissed, XXXX XXXX XXXX XXXX, XXXX XXXX. 

There are also a number of inquiries that I did not approve to happen. please delete these as well. 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 2018-08-12
Company: JPMORGAN CHASE & CO.
State: WA
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:
After filing for Bankruptcy XX/XX/XXXX, XXXX and CHASE BANK, where on my credit report as a history and showing that I have a mortgage account. It is now XX/XX/XXXX.  According to XXXX XXXX XXXX XXXX, XXXX requested that they be taken completely off my Credit Report a couple months ago. Also, stating that they no longer use XXXX services to report credit history. So, why now? Why me? Why did they have to take it off? I'm in a chapter XXXX. Its not required that they report! But, it is their to show history and that I have a mortgage for anyone that I maybe trying to rebuild credit with. So, how can a Credit Bureau show " Full Disclosure '', " Fair Credit Reporting '' when a company decides to just take them selves completely off the Credit Report? This is deliberate. Its no accident. XXXX the money. XXXX needs to do whats right. If they don't want to spend money, then get out of the business. Saving money on morality is not the right thing to do. Especially when they know how the economy works and not reporting it, is the same as me not reporting damage to my house and then selling it. If I apply for credit and their not on my report, that is not full disclosure. This company needs to stop being so greed, stupid, evil and heartless and times. They need to put them selves back on my credit to show history and anyone else 's report they decide to take them selves off of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
The following records are have been recorded and disseminated wrongfully. 
LexisNexis failed to dispute XXXX XXXX 's information which is incorrect and incomplete. The company continues to collect and disseminate ambiguous and questionable information that is designed to discriminate and deny consumer coverage as deceptive business practice. As such it should be investigated for the legitimacy and ethics of its services as it is only benefiting corporations and not fairly services consumers. 

As stated previously road side assistance which is part of the policy benefit is NOT related to driving and is NOT considered a claim and is NOT relevant to the driving record just as XX/XX/XXXX ( Catastrophic ) due to natural disasters such as IRMA. Are impacts from natural disasters supposed to penalize consumers? 


XX/XX/XXXXclaim has been updated as NOT at fault. This is not correctly recorded. 
XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Catastrophic ) Valid claim, accurately reported and should not be removed. XX/XX/XXXX ( Towing/Labor ) - Valid claim, accurately reported and should not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Receivables Performance Management, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2021 I received a collection notice for {$410.00} from XXXX XXXX for a direct tv account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from Receivables Performance Management Llc trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by XXXX XXXX for {$310.00} to close the account and had been paid. However Receivables Performance Mgmt. continue to harass me stating that I still owe the remaining balance

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 2018-08-12
Company: The LGM Co., Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a car with XXXX XXXX company back in XXXX of 2018 my car broke down and lgm paid for it and I was to pay them back 3 payments of XXXX I paid off all of what I owed them and they are stating that I have never made a payment on it I have sent them all of my receipts and bank statements showing that I paid them and they are just ignoring them and refuse to fix their mistake.I have shown them all the proof that I have and they disabled my car and are very unprofessional and dont want to even listen to whatever I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Capital One is blocking 3rd party apps from accessing my account. When I spoke to multiple customer service agents and supervisors and they said that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Radius Global Solutions LLC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have received this bill from XXXX XXXX XXXX XXXX ON XX/XX/18. I have no idea who they are collecting for as I have not received a bill. I am XXXX years old and my mom usually handles things like this. I called them and she only told me that It was for an emergency room visit in XXXX. i told her that I had not received any bills or my mom would have told me.I then notified her that I was in an accident and did visit two emergency rooms I believe. However, I had insurance and I was fully covered. I then provided her with my XXXX XXXX XXXX Information from my card which stated that the Coverage began XX/XX/2018. She took the insurance information and then asked how would I like to make the payment. I said why would I male a payment when I was covered? That is what insurance is for I said. She then said well, you could pay the balance and then let your insurance reimburse you. I told her, why don't you pay it and let the insurance reimburse you? She then said that we will not be contacting you again about the debt. I told her I did not say not to contact me. I want to make sure that it is taken care of. I asked her was she going to contact the insurance company. She said yes. I asked her would I receive some kind of confirmation that this had been resolved. She could not assure me that I would. I then told her that I have already mailed a certified letter to the address on the letter. I have submitted the bill to XXXX XXXX XXXX. I also told her that I would be submitting a complaint with the CFPB.

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 2021-07-07
Company: Sequium Asset Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Checked my credit report and I have the following : SEQUIUM ASSET SOLUTIONS Amount Due : {$970.00} Collector : XXXX XXXX I have never resided in no other state, accept, TN. I have always had 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 2021-08-13
Company: EQUIFAX, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Better Mortgage, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A mortgage commitment letter was issued by better.com on XX/XX/2021. Better.com then rescinded that commitment and I was forced to find another lender. This delayed closing on the subject property by one month causing me {$2500.00} in damages. 

Better.com had no reasonable basis for rescinding a legally binding agreement issued by them. They claim they made a mistake. Fair enough ... however, when your mistake causes someone else harm, you should reimburse them for that harm caused.

Better.com has refused to provide reimbursement for the damage they caused.

Company response to consumer: Closed with explanation