BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-07
Company: Dorough & Dorough, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
IN XX/XX/XXXX A COMMERICAL PROPERTIES WAS PURCHASED BY THE GUARANTORS XXXX XXXX AND XXXX XXXX, WE WERE THE OWNERS OF XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX HEALTH AGENCY OUTPATIENT ). XXXX XXXX LEFT IN XX/XX/XXXX. I PURCHASED THE BUSINESS FROM HIM. I WAS UNDER THE IMPRESSION WE PURCHASED XXXX XXXX AT XXXX XXXX XXXX   XXXX GEORGIA VIA SBA FUNDING. AFTER DETAILED RESEARCH IT WAS REVEALED 1. THE SBA APPEARED TO HAVE NOT PROVIDED FUNDING FOR THE PURCHASE OF THE BLDG REFERENCED, 2. OTHERS SUCH AS THE BROKER AND ASSOCIATION MEMBERS WERE INVOLVED IN POSSIBLE UNETHICAL WAYS TO OBTAIN MONEY WHILE UTILIZING ME CREDIT AND NAME DUE TO ME BEING A MINORITY, 3. THERE WAS AN ADDITIONAL LEVEL OF PROVIDE SBA FUNDING BY XXXX XXXX WHICH IS A PRIVATE BROKER WHICH BENEFITTED ALL MENTIONED, 5. THE OFFICE BLDG CONTAINED 5 DIFFERENT SUITES WITH 5 DIFFERENT ADDRESSES, EACH  SUITE WAS SOLD SEPARATELY.

EACH SUITE WAS BEING USED AS COLLATERALS FOR ADDITIONAL LOANS WHICH APPEARED TO HAVE BEEN DESIMINATED AMONGST A GROUP OF INDIVIDUALS RANGING FROM BROKERS TO POLITICAL HEADS. THE APPROXIMATE AMOUNT OF MONEY ILLEGALLY OBTAINED BY THESE INDIVIDUALS WAS CLOSE TO XXXX XXXX DOLLARS WAS PROVIDED TO OTHER PARTIES UTILIZING MY NAME CREDIT AND COPYING AND PASTING MY SIGNATURE THROUGHOUT VARIOUS PARTS OF THE LOANS PACKAGES, I CAN NEVER RECEIVE ACCURATE AND CORRECT INFORMATION FROM FUNDING SOURCES AND IN ADDITION, THE BUILDING IS FILED ON MY CHAPTER XXXX BANKRUPTCY. I CAN NOT IMAGINE THE REPRESENTING LEGAL COUNSEL NOT BEING AWARE OF THE UNETHICAL PRACTICES WITHIN THIS CONDO ASSOCIATION. THEY ARE THE GATEKEEPERS OF BOTH BYLAWS AND FUDICIARY DOCUMENTATION. 

AS A MATTER OF FACT, THERE HAS BEEN OVERPAYMENT OF CONDO DUES WHICH ARE APPROXIMATELY 1100.00. THE BOARD AND ATTORNIES, I AM SURE BOTH PARTIES WERE AWARE OF BOTH THE LAND AND SUITES BEING SOLD SEPARATELY. I DO BELIEVE THIS WAS A COMMON PRACTICE THROUGHOUT THE OFFICE PARK.

Company response to consumer: Untimely response
Consumer complaint received 2020-06-30
Company: Patriot Finance, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report hasnt been updated since XXXX. I tried to open my account online and the website has been taken down. It looks like their doors were shut and items auctioned off. I cant find who owns the loan now, have no idea what my account balance is. But my monthly bank drafts are coming out - dont know where they go though. I will be stopping the draft until I can locate the creditor and get an account update

Company response to consumer: Untimely response
Consumer complaint received 2018-06-09
Company: WELLS FARGO & COMPANY
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:
Wells Fargo is still reporting a old debt that doesnt belong on my credit report. This is too old to be filed and needs to be removed. This dates back to 2009 and needs to be cleared ASAP Additionally the Wells Fargo Account is being posted twice on all my credit reports when it is only one 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 2020-10-11
Company: Experian Information Solutions Inc.
State: AZ
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/2020 I mailed a letter to experian disputing my account with XXXX XXXX XXXX and the company the debt was sold to XXXX XXXX XXXX. On XX/XX/2020 I received a copy of my credit report stating iteam remains unchanged from our processing of your dispute in XX/XX/2020. On XX/XX/2020 I mailed in a letter requesting their method of verification a week later I received a post card in the mail stating they would investigate on XX/XX/2020 I received a copy of my credit report again and in the account was updated from the dispute in XX/XX/2020 on XX/XX/2020 I mailed in a letter stating XXXX has been found guilty in a court of law of predatory lending practices and fraud and has been ordered to remove all negative information from my credit file along with the court documentation from the Arizona State Attorney Generals office. On XX/XX/2020 I received a copy of my credit report experian updated the comments stating I was XXXX to XXXX  military XXXX. I have never claimed to be in the military nor did I state I have been called to XXXX  military XXXX  wich would require me sending in documentation from the government or a military ID. Experian is not doing their job and properly verifying information on my account at this point they are making up stuff I have been negatively affected by their negligence I have been denied numerous job and housing opportunities due to experian not properly verifying information on my credit report.

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 2018-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. this inquiry is from XX/XX/2017. I do recognize one inquiry from the same company which was on XX/XX/2017, which i now have an account under. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry from XX/XX/2017, removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
About 7 or 8 months ago, I placed a temporary freeze on my credit report with Equifax. Three or four months ago, I attempted to have it lifted. They said I needed a10-digit PIN. I have asked repeatedly to have it sent to me, and they have not responded. Two weeks ago, I received a letter from Equifax dated XX/XX/XXXX in which they said they had permanently removed the security freeze. Today, I received TWO more letters from Equifax, both dated XX/XX/XXXX, in which they said they had placed a security freeze ( again ) on my credit file. It is impossible to reach this outfit by telephone and it is clear they do not respond to written letters. How in the world can I get them to remove a credit freeze that I no longer want? I have attached both the XX/XX/XXXX letter ( freeze removed ) and XX/XX/XXXX letter ( freeze placed ). HELP, PLEASE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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:
I asked Tranunion to conduct an investigation on six accounts where I believed there to be inaccurate information. They conducted their investigation and all of the information came back as verified. They did a horrible job investigating whether the information was correct or not. After they conducted the investigation and said everything was verified. I looked back over my credit report and all of the inaccurate items were still on the report. I recently sent documents to dispute the validity of these accounts on XX/XX/18-XXXX XXXX and XXXX XXXX. The other four accounts were disputed within the previous year. Also, the XXXX XXXX and XXXX XXXX account have not been updated about being in dispute. This has gone over the thirty-day mark that they must say on the report that these items are in dispute. I am very unhappy with this situation because I asked them to do an investigation which they are legally required to do, and they said they did it and everything was verified, but somehow none of the inaccurate items were taken off. They did not do an investigation into my inquiry at all. It looks as if they just sent me a letter back saying it was verified. They are violating 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. There is inaccurate information on these accounts, and they were not taken off after a thirty day period.

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 2021-04-10
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had no late payments for any of my credit cards, for this US bank card, zero late payments, yes my balance drastically went up in XXXX because of COVID-19, but still never a late payment. When I did get the extra money, I paid it completely off in late XX/XX/XXXX, {$6000.00}. When I used it in XX/XX/XXXX for work, a big purchase, it was declined. Finally got on the phone to speak to them, and they lowered my limit from {$6000.00} to {$700.00}! And that i was over my credit limit. This has greatly affected my credit utilization from 66 % to 97 % and even though I have excellent payment history, I now have horrible credit! I would completely understand if someone were a deadbeat and not paying bill on time regularly and you penalize them with a rate increase and decreased credit limit ... but this is crazy. Lowering credit limit based on other reporting credit score that doesn't take into consideration issuer credit history is not fair.

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 2020-10-11
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-09-17
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:
Equifax is incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: OH
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 have requested my current information be Updated properly on my credit report My name is XXXX XXXX XXXX. My current employer is XXXX XXXX XXXX. The following addresses are not mines please remove delete them : XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The following number are not mine please delete/remove them : ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-14
Company: Jim Bottin Enterprises, Inc
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving e-mails and phone calls from ABC Financial regarding my old XXXX XXXX membership with requests to update my financial information as well as make payments. My financial information never changed from the original credit card I had on file, however, I believe they have not been getting the payment because the membership was cancelled back when the gyms were closed. 

I submitted an e-mail ( their required form of communication ) to ABC Financial with the cancellation request on XX/XX/2020 and never received a response. When I was charged the annual fee in XXXX, I disputed it due to the cancellation request submission. XXXX XXXXABC Financial resolved the matter and reversed the fee. The dispute was submitted on XX/XX/2020 and the annual fee was reversed and credited back to me on XX/XX/2020. My last payment for the membership was on XX/XX/2020 ; I do not owe anything on this membership after that. 

I followed up with ABC Financial by sending them proof of the cancellation request, my credit card statement showing them the reversal of my annual fee, as well as a request to refrain from contacting me regarding this matter as it should already have been resolved. ABC Financial/XXXX  XXXX continues to call me with requests for payment and threats to send me to collections for membership fees I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
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:
disputed multiple times about XXXXXXXX XXXX being reported as being late when in fact that account as been settled over 6 yrs ago. called the creditor which is XXXX and they stated that they haven't been reporting any late payments since its been settled. therefore Equifax keeps stating that they have verified the account as accurate when in fact the creditor hasn't been reporting any information to them. 

Called Equifax and relayed what XXXXXXXX XXXX had to say, and the person at Equifax says that I have to pay XXXX a month for a few month for them to remove the negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
A while ago, I contact the credit reporting agencies about XXXX XXXX inaccurate account balance and my concerns were ignored. 

I informed the credit reporting agencies that XXXX account balance is {$0.00} and not over {$27000.00} that was reported at the time of dispute. I requested for the account to reflect such or be deleted from my credit report. 

To date, the account has been closed and the balance was updated to {$21000.00} and not {$0.00}. 

Per the FCRA, credit reporting agencies suppose to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history and they failed at doing so. 

Attach you will find a close up of my XXXX credit report, which I found in my cell phone photos of XXXX XXXX balance amount {$0.00}. 

XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Sequium Asset Solutions, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX loyalty line original told us they would give my husband {$750.00} for my husbands XXXX XXXX and {$750.00} for my XXXX XXXX ( both in mint condition ). We were going to to go to XXXX if XXXX XXXX XXXX wasn't going to give us anything for 18 years of loyal business. We decided to stay with XXXX XXXX XXXX and bought XXXX XXXX maxes. When we went to to turn in our XXXX XXXX XXXX XXXX XXXX then said they wouldn't give us the money they agreed to. {$75.00} for my phone, {$35.00} for my husband 's. We then returned the phones to XXXX XXXX XXXX within the 14 days they require, when they broke their end of the contract ( I have the USPS shipping receipt & tracking that is was delivered ). They are now trying to charge us for the XXXX in the amount of {$2700.00}. I have called XXXX XXXX XXXX  a total of 13 times and spoke to 25 different people, they keep telling me they are taking care of it. I have gone to the XXXX XXXX XXXX Store 5 times and talked to 6 different people and we have now been sent to collections at Sequium Asset Solutions. XXXX XXXX XXXX has now removed {$2500.00} from our bill but still says we owe them {$260.00} which Sequium Asset Solutions is trying to collect. I don't know for what, I can't locate anything on our past bills what the charges are for?! We have been with XXXX since XXXX. We paid our last bill which was {$180.00} XX/XX/2021. XXXX XXXX XXXX still owes my husband {$100.00} for the tax he paid on my XXXX we returned to them and they received XX/XX/2021. Delivery proof is in the attached document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I received a letter fro this company around XXXX XXXX. I send them a statement that the Debt wasnt mine back in XXXX XXXX. I was told to contact the original company by Midland. After been the run around. I had a statement add to my credit file. This has been on my credit report for over 7 years and still reporting negative on my credit. I need help with getting this removed. Its has passed all laws on the time it can still report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was charged for XXXX  equipment rental. However, the equipment was not mine. XXXX  did not verify the equipment or billing and submitted this information to the debt collection agency. 

I was charged {$490.00} for equipment that I never received at an address I never lived at. XXXX XXXX XXXX ) XXXX  submitted this to XXXX XXXX XXXX and reported this delinquent on my credit report. 

I paid the debt XXXX XX/XX/XXXX XXXX to get this removed but I am due a refund and for this to be removed from my credit report immediately.

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