BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-17
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by XXXX in XX/XX/XXXX about my social security being apart of the XXXX breach. I was told by XXXX to order a copy of my credit report and review it and the all collections and accounts are correct. In XX/XX/XXXX I contacted XXXX  about a collection from Southwest Recovery Systems account number XXXX in the amount of {$5500.00}. I made numerous attempts in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to southwest recovery systems to see if they  could send me proof that this was my collection and account. I was unable during those months to get in contact with the company as the line would disconnect every time after the third ring. I contacted XXXX who then requested a police report. I made a police report with the city of XXXX in month of XX/XX/XXXX. I was able to get in contact with Southwest recovery to send me verification of this account with XXXX XXXX XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX who works at Southwest Recovery Systems. She sent me over a pdf of my account detail bill with resource property management. I do recall going to court with this company back in XX/XX/XXXX. I had a judgement in the amount of {$2600.00}. This amount included rent for XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} and legal fees of {$150.00}. There are also two late fees in the amount of {$230.00} & XXXX for XX/XX/XXXX & XX/XX/XXXX but I was no longer living at the address as I was ordered by a judge to vacate in XX/XX/XXXX. I moved into my apartment at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX sent a detailed bill for {$5100.00} But southwest recovery systems has placed a collection for {$5500.00}. Both amounts are incorrect. The {$5500.00} has not been corrected by XXXX XXXX XXXX. The correct amount to be reported is {$3100.00}. As of today this amount has not been corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today I received the loss mitigation package for a loan modification. 

There are several problems. The paperwork that was sent to me was a loan modification claiming my unpaid principal balance is {$190000.00}. This is incorrect. The outstanding principal balance on my last statement was {$170000.00} and the original loan amount was only {$190000.00}. In addition to the principal balance being incorrect, the loss mitigation itself is incorrect. I had not requested a loan modification. I have requested a deferment or VA partial claim to pay back the forbearance amount.

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 2018-12-25
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditors Name : XXXX XXXX XXXX XXXX Account # XXXX Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Past Due Amount {$1300.00} Terms Revolving Responsibility Individual Contact Information XXXX XXXX XXXX XXXX, DE 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 2018-01-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Financial XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX Late Fees on {$20.00} balance resulted in {$67.00} in Late Fees and on top of the {$67.00} Interest on the Late Fees. 

Credit Card and Store Credit Card Fees Late Fees and their Interest on the Late Fees are much higher than Mortgage and Car Loans by factor 3x?

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 2023-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My social security number is XXXX my complaint experian has not still, removed the credit collection account that has a balance of XXXX XXXX and also, the other negative item last, XXXX of account XXXX these as fraud items I have a XXXX XXXX XXXX  XXXX XXXX report on file please have experian remove the account s

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Company put in collections and paid collections and everything is closed but won't remove from credit report. Also on the second account ( same company ) account paid in full and closed and reported as charge off. And won't remove from credit account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 usc 1681 section 602 : I have the right to privacy.

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My father school gave him a check to deposit but he could not deposit it because he is XXXX I placed the check inside of my bank account The school cleared the check and now Citibank is blocking my account My father is XXXX and he can not move so he takes online classes They want him to come to the branch but he can not move I told Citibank to give me back the check and I will give it back to him But they have already cashed it The school can not issue out another check because Citibank has stole the money which is illegal I spoke with a representative named XXXX with ID number XXXX and XXXX from the risk management department in Maryland I said I just want my fathers check back and to close the account They refused to give it back so I had to file this complaint

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 2020-01-06
Company: EQUIFAX, 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:
Almost 9 years ago we filed for Chapter XXXX and have paid our debts except for a fraudulent proof of claim filed by XXXX XXXX XXXX. A judgement has now been determined that is binding through arbitration and entered into Federal district court. 
This chapter XXXX occurred due to the actions of this lender. The filing should be removed as it is almost 9 years old and the maximum is 10 years that it could stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
never recieved reliacard for unemployment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: IL
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX unknown XXXX ( original credit XXXX  ) unknown XXXX ( original credit 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 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.

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 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Also, these accounts have been transferred. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2023-09-08
Company: Phoenix Financial Services LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has sent me no notice of any collection. This company has also tried to double dip and reported the same account twice to XXXX which now shows as 2 collection accounts as well as reported a date of XX/XX/2023 as a default date which I have no knowledge of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00}

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 2017-07-28
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: Personal information incorrect

Complaint:
Addresses were deleted and added back to my credit report without any notification to me as is required by the FCRA.

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 2022-10-07
Company: Patrick K Willis Company Inc
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX is now in violation of 15 USC 1692 ( a ) Abusive practices- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy, 15 USC 1692f Unfair Practices - ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest.

( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement, and 15 USC 6802 ( b ) ( 1 ) ( C ) for furnishing my nonpublic personal information to XXXX XXXX  who illegally and unlawfully stole and transported my private automobile on XX/XX/2022 and plan on selling it which is a violation of 18 USC 2312 TRANSPORTATION OF STOLEN VEHICLES and 2313. I am entitled to actual damages under 15 U.S CODE 1692k ( a ) ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: Experian Information Solutions Inc.
State: NY
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$300.00}, {$1100.00}, {$160.00}, {$550.00}, {$900.00}, {$1100.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

4. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bottom line : An erroneous report from Experion is ruining my credit rating. Experion will not provide details to justify their claim of 6 late payments on some unknown activity despite numerous attempts by both email and phone to get Experion to tell me what activity they are referring to that they claim I had 6 late payments on. This erroneous report needs to be corrected and my credit rating restored to " excellent ''.

Experion must provide a correction or justification with details of their claim.

To note : Experion stated they got their information from XXXX. This information is not true. I have a report from XXXX that states " excellent '' and does not show 6 late payments anywhere. 

I have tried for 4 months to resolve this with Experion to no avail. 

Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-12-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX  XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my Equifax Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The Equifax Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. Equifax makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened ''  for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and XXXX, Equifax, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX is reporting incorrect information on my credit report. When you view my credit file there are things that are missing, the credit usages is reported wrong on my transunion 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 explanation
Consumer complaint received 2023-11-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to contact the companies to inform them that I did not authorize these inquiries, but they did not provide assistance. 

I did not authorize these companies to run my credit, this is fraudulent.

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