BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  account, XXXX has violated my rights A HIPAA authorization form gives covered entities permission to use protected health information for purposes other than treatment, payment, or health care operations. Which I did not sign giving permission to have my personal information 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish your 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 2018-05-18
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
Incorrect/wrongful info reporting to credit bureau, Inappropriate methods for debt collection ( including lies ),  breaking an agreement for paying debt. My company XXXX XXXX has two ( 2 ) credit card accounts with American express with existing balances. We were in negotiations to pay those balances and always were clear of the intensions to pay them in full. In XX/XX/XXXX and in XX/XX/XXXX we've made in agreement and make 2 payments total of  {$8000.00} ( {$4000.00} for each account ) in order to prevent those accounts to fall into collections, as we agreed. On XX/XX/XXXX ( 6 days after the payment ) American express broke our agreement and reported to XXXX Credit Bureau this account as personal collection account for me, ( XXXX XXXX ), as a guarantor with delinquency of 90 days or more!!! This is ridiculous since it based on misleading information - First : 90 days or more delinquency is wrong reporting ( last payment date is XX/XX/XXXX, business has made two ( 2 ) payments in two ( 2 ) month, that's 20 % of the total balance ) ; Second : An agreement has been broken by American Express or their representatives, they lied to me promising that in exchange of the payments keep accounts out of collection and even refund late fees and reopen one of the account ; Third :  since business has paid last month that couldn't be reported as personal debt, I'll take responsibility if it's not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$820.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19 closures, we had to take a forbearance on our loan. Under the CARES Act, we used the forbearance program to make sure we could get through these hard financial times. I have repeatedly asked to get a loan modification and have followed all of the required items. I submitted the paperwork and all items for the loan modification on XX/XX/2020. I have called every few weeks or more to find out the status of the modification with no success. Every time I call the loan servicer they tell me to wait or they will get a manager involved. It has been over 5 months with no success and now they are sending me collection notices due to non-payment. The program requires no payment until the modification has been put through. I fear that they will try to collect all back payments instead of adding them to the loan. We have a high-interest rate and have asked to modify the loan so as to have a more reasonable payment. Our income has been reduced and we need help to keep our home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am serving as guarantor for a residential rental in XXXX XXXX XXXX in Maryland. As part of the evaluation process, the XXXX XXXX  requests that I go into a website called XXXX to provide personal information and to authorize them to get a credit report. I followed their instructions and completed the information in their website on Friday XX/XX/XXXX at about XXXX EST. 

The next day, I received a message form the XXXX company requesting me to Un-Freeze my credit report because, according to them, I had placed a FREEZE in my credit report and they could not retrieve my credit information. They instructed me to go to EXPERAN.com to UN-FREEZE my credit report. 

I was surprised by this news since I know I have not placed a freeze in my credit report. In fact, I had never heard of EXPERIAN. 

Nevertheless, I went into the EXPERIAN.com/FREEZE website and supplied my personal information and request to UNFREEZE my credit report. The website requested a security PIN number in order to proceed, a PIN I have never received because I have never requested such a FREEZE. I have tried to UNFREEZE my credit report for several days now, including using EXPERIAN 's website and by calling them at several phone numbers. One of the persons I was able to speak to, XXXX, who works at EXPERIAN told me his records show that I had requested a FREEZE in my account on XX/XX/2019, something that is NOT TRUE, because I did not request such a FREEZE. In fact I was trying to UNFREEZE something they FREEZED without my authorization. During the conversation it came up that they could UNFREEZE my credit report by tomorrow if I paid them {$20.00}. And this, I suspect, is their goal in all of this, to get my credit card information and to get paid {$20.00}, or even more, once they have my credit card. 

I believe this is a fraudulent activity by EXPERIAN and or the XXXX XXXX, where one of these firms, or both working together, have hijaccked my credit report and now they are coercing me to pay them in order to UNFREEZE my credit report, something I had never FROZEN before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They reported a debt I did not owe to the credit bureau. I will file a police report tommorow for fraud. I 've read th e Convergent Outsourcing is  a scam company that is doing this to several people. I watch my credit very carefuly because I do real estate and own a company.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: Experian Information Solutions 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 have disputed a fraudulent account with Experian and XXXX XXXX several times. Each time, the dispute results in the account being removed from my credit report. Soon after, the account returns to my credit report, further damaging my credit score. I have spoken with agents and have been told the account was " never removed '' despite having considerable evidence that this account has been deleted each time. 

Since said account has been reported as fraud, I am not responsible for the unauthorized charges and continue to be held responsible. This is evident in my continuously plummeting credit score. 

Not only is re-adding this account to my report wrong, but according to the Fair Reporting Credit Act, I should have been notified within three days each time this was added back onto my report and I was not notified a single time.

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 2020-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Someone is using my name and using a California EDD card for many purchases in XXXX, California. I do not live at XXXX XXXX XXXX XXXX in XXXX, California. I have reported this to the California EDD and FTC with no response and continue to receive monthly statements which shows all the illegal activities.

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 2022-08-15
Company: EQUIFAX, INC.
State: NC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the XXXX  you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LJ ROSS called me and they want me to pay {$320.00}. I paid all my balance by XXXX XXXX   credit card settle in full XX/XX/XXXX-XX/XX/2019.

They still sent my file for {$42.00} on XX/XX/XXXX-XX/XX/2019.

We are trying to refinance our house and the score dropped drastically. I called them and they said they missed the amount so they reported to the credit bureau.

I again offered to pay and they took my money and they are stating it's my job to call all bureau and fix. The staff is rude.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
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 to the Fair Credit Reporting Act : 15 U.S.C. 1681 Section 604 A Section 2 Equifax does not have my written permission to report the incomplete, inaccurate bankruptcy that they are reporting in my file. 

Equifax has falsely claimed that they received the information from XXXX. XXXX has verified they DO NOT have the bankruptcy Equifax is claiming they received from them. 

XXXX has verified that if there were a bankruptcy in my file it would be listed in the TABLE OF CONTENTS section of my XXXX report. There is not a bankruptcy listed in the Table of Contents section of my XXXX report. 

Equifax continuously reports they took steps to verify inaccurate, incomplete information but when I verify the steps with the furnisher of the information, the furnisher says they don't have the information Equifax claimed was verified with them. 

Equifax needs to be held legally accountable for their fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
RentDebt Automated Collection representing XXXX XXXX XXXX {$9300.00} XX/XX/2017 request reasonable accommodation and modification for my XXXX  XXXX son at the apartment complex where we start living on XX/XX/2017, after providing the form they requested together with doctor recommendations letter, the administration never responded forcing me and my family move out from the community. I spend again in deposit and first month new rental with the moving spent, Administration apologies letter received for how residents where affected by the violent environment. But never did anything in particular for my family. 
I start receiving calls letters from this collection agency who is reporting that I owe $ XXXX, I try to talk to them and XXXX XXXX XXXX they still reporting this false debt statement into my credit, preventing me from purchasing a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: NY
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unfair items on my report. 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 that you post on a credit report. You HAD 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ). It has been well OVER 60 days! Under the FCRA, unverifiable accounts must be removed. I demand these accounts to be REMOVED before legal action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: CITIBANK, N.A.
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: Old information reappears or never goes away

Complaint:
I discovered when I purchased a vehicle earlier this month that Home Depot listed my account as being past due by 90 days back in XX/XX/2015. I checked my email to see if they sent me monthly statements and there were no statements. Only when they notified me they were seeking a judgement against me did I receive a statement. It is the one and only time that I was late on any credit card payment, and it is affecting my score. Home Depot continues to let me use my credit card in their store, so they don't mind me using their card. I request this action on my credit score be removed and my credit restored to what it was before this unfortunate lapse in memory and their lack of sending me a monthly statement.

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 2017-04-25
Company: CAVALRY INVESTMENTS, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted this company via phone and they transferred me to several different departments and stated that they could not locate me in there system. Asked each  one to send me a letter stating I do not have and account with them  and they refused stating that it was illegal. I informed them that it was illegal to put an account on my report that did not belong to me as well if they do not have any validation. This company has not send me anything in writing or email or via phone. All my information my name telephone number and email was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i went to go by a car on XX/XX/20 at XXXX XXXX  and they told me i had a collection with XXXX XXXX  XXXX  # XXXX i have never applied for this loan nor did i ever give permission to anyone else to do so. i have never gain any type of benefits for this account being open no money no goods have i received. Please see attached supporting 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