BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: Essential Lending 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: Account status incorrect

Complaint:
I filed for bankruptcy XXXX 2016. I included a loan from Essential Lending/XXXX XXXX in my bankruptcy. The name was listed under XXXX XXXX as that is the name of the lender as it is listed on the loan documents I received after the loan was obtained. Once my bankruptcy was discharged this year I called the company several times about it needing to be updated on my credit report and I also directly disputed this account with XXXX. This account continues to show as a negative open account with a {$340.00} balance even after multiple requests to the credit agency and the creditor to get this account corrected. It is affecting my credit and causing me distress trying to get this updated.

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.

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 2021-12-06
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: LEXISNEXIS
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: Account information incorrect

Complaint:
I just learned that LexisNexis is making false reports, and has now refused to provide me with my report for the past 7 months, I was told by my Insurance Company that they got a report from them and it is all false. 

It is now causing me damage and harm ... ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a collection with Credit Collect Services. Credit Collect Services received the funds on XX/XX/2021 and it's reported on my XXXX credit report that I owed {$0.00} balance. XXXXredit Collect Services continues each month reporting to XXXX that account is in dispute which has been settled. Please have the account removed or stop reporting this the account is in dispute. I contacted XXXX each month starting in XX/XX/2021 to remove the comments but the remakes keep reappear each by Credit Collect Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: AVANTE
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX I was made aware that I can not refinance my house due to my current credit score. I was advised there were medical collection placed on my credit report that are in violation of HIPAA and or a medical privacy. They should not have been reported. Nor my score should not have been affected negatively. I spoke with collection company. Explained my situation. I was advised to call the credit bureaus to dispute the collections. I have recently spoke with the three credit bureaus. Started the dispute process for removal of the medical collections from my credit score. However my credit score decreased significantly due to the medical collections being reported an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are three inquiries that are reporting on my TRANSUNION credit report that i did NOT apply for. I did not allow anyone to use my information. Someone is trying to obtain goods using my personal information. 


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 explanation
Consumer complaint received 2021-12-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I am in arrears with my mortgage in the amount of {$53000.00} as of XX/XX/XXXX due to Covid-19. I am a XXXX XXXX XXXX and my husband passed away of XXXX on XX/XX/XXXX. Because of the lock down and being XXXX XXXX I had to close my business for a year until there was some sort on normalcy in society again. I kept in touch with the mortgage company quite frequently and I was placed on a forbearance to protect my home from foreclosure with no supplemental income. I began reaching out to PHH at the end of the forbearance and I was told I didnt have to worry about anything the past due amount would be deferred to the back of the loan. Now that the forbearance is officially over and I am trying to start making my payments again. Im told I do not qualify for the deferment nor a loan modification and I need to come up with {$53000.00} to bring my loan current or accept a repayment plan of a ballooned monthly payment I can not afford. My business is not where it used to be pre Covid and I dont understand why the mortgage company would let you go into a disastrous delinquency knowing they are not going to help you in the end. Its not my fault Covid occurred and I lost my husband in the process now the mortgage company is trying to take my home and put me in the streets. Call after call I was assured I would get assistance and there was no need to worry now they have turn their back on me and is demanding I pay a lump some that they knew I couldnt pay. Can someone please help me to ensure they are not doing this to innocent homeowners in a situation that was beyond our control? Thanks in advance for your help it is greatly appreciated. 

Yours Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

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 2021-12-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Experian is purposely lowering my credit score. On XX/XX/2021, my credit score was XXXX. Today, XX/XX/2021, my credit score is XXXX. There are no changes negatively on my credit report to justify my XXXX XXXX lowering by XXXX XXXX. I actually had positive changes that should of increased my credit score. My current XXXX score is XXXX. 

The gross disparities against XXXX Americans is centered around how the three credit reporting agencies conduct their credit modeling. There need to be immediate changes to what is reported and how. For example, there is no reason Americans are penalized based on inquiries and having those inquiries stay on a report for 2 years. 

What I saw today when I checked my credit score with Experian revealed to me the ponzi scheme that our federal government is allowing. This is doing a great disservice to the undeserved communities. Preventing good jobs, homeownerships, a stable and prosperous lifestyle for ALL, not just the selected.

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 2017-12-01
Company: Key 2 Recovery, 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: Account information incorrect

Complaint:
This account is showing on my credit report and I have asked for proof and not getting any where with the creditors or the bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase XXXX I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TCF NATIONAL BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is XXXX XXXX XXXX. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604,  and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Transunion is refusing to remove outdated negative information from my personal credit report. There are multiple accounts with XXXX XX/XX/XXXX that include late payment history from XX/XX/2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Transunion multiple times yet they refuse to delete this outdated information. They do not list a date of first delinquency on my credit report nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never 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 explanation
Consumer complaint received 2018-09-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A person from Midland Credir has called my number several times asking for a person named XXXX. I have politely told him that there is no one here with that name. He says he will not call back but a week or two later he calls back. The most recent call occurred XX/XX/2018 at XXXX PM. The caller identified the caller as being Midland Credit. The calling number was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MA
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 credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian refuses to remove an inaccurate account that they are reporting on my credit report. XXXX and XXXX are not reporting this as an account on my report, so I am not sure where Experian is getting this information. I have already contacted Experian in regard to identity theft. Experian has not sent any relevant or supporting documentation with my name or signature on any contract with this company. Please have this company looked into for reporting negative items on consumer reports. The account that should be removed from my credit report is ACCOUNT # XXXX XXXX XXXX XXXX {$910.00}. I will be seeking {$1000.00} per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of 15 U.S.C 1692g

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 2021-09-04
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: TD BANK US HOLDING 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: Information belongs to someone else

Complaint:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is TD Auto Finance. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: Resurgent Capital Services L.P.
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 never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions 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:
Experian XXXX XXXX legal ownership of said account You state you validated this account Well if I paid this account I own this account right, I have not received any documentation or notice from you for validation { law 's the law } you are falsly reporting this account REMOVE IT example XXXX owns contract sale said contract to consumer for full payment that gives the consumer now the furnisher the all legal rights. CFPB is this not correct you have violated my rights damaged my credit cost myself a lot of loss of income

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 2021-12-06
Company: Financial Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated phone calls after being asked multiple times to stop. 

Date. Time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation