BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I sent a letter to both XXXX  and Experian requesting that they remove the inaccuracies from my report. I also provided a copy of my report from XXXX XXXX  showing that inaccurate items that were deleted, and they have yet to correct my report on their end.

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 2021-06-03
Company: Professional Recovery Management
State: TN
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, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that all student loans payments would be suspended during those months. Acct # XXXX XXXX  Acct # XXXX, showing derogatory when there is a XXXX balance XXXX XXXX  Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CURO Intermediate Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a credit alert from the credit bureaus that I have 5 different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out 5 different loans in XX/XX/2019. I dont understand how someone could get approved for 5 loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Around XX/XX/XXXX my vehicle and debit card were stolen. The criminal withdrew over {$1500.00}. I froze my card and eventually reported it once I dealt with other things, stolen vehicle, moving, separation, single mom, etc. They refused to give me provisional credit, even though I was told I'd get one within 10 days. They denied my fraud claim and never told me. I called to check up on it and they asked for the police report ( never telling me it had been denied ). I followed up again and was told about it being denied. I had to send the police report again. I followed up and was told it was denied. I appealled it ( when i sent the police report the second time ) and requested the investigative evidence the fraud dept. used in their decision, and was ignored, but sent a letter denying it once again, only stating that " they found no error occurred ''. I spoke with many supervisors and even left a message with a supervisor 's supervisor and they never got back to me. No one will let me speak with the investigative fraud department. I just did an eMessage request for the details of the investigation AGAIN and have not heard back. I don't know what to do. I need my money back. I know who stole my car and card and she is a known shoptlifter and whatever other crimes she commits. The bank is Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TD BANK US HOLDING COMPANY
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 have been a customer with XXXX for a long time. I have never been late. I asked them to remove the billing error and they lied to me and said that they have investigated and found it to be true. I have my detailed billing history and no this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: MS
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 companies have violated my rights : Account Name : XXXXXXXX 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 {$0.00} 15 U.S.C . 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( 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 antedates the report by more than seven years.

15 U.S.C. 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 2020-01-25
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX, XXXX and Experian has information on my credit report that does not belong to me, collections from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Numerous collection accounts with no Original creditor nor collection company name account numbers # : XXXX, XXXX, XXXX, XXXX on my XXXX  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 non-monetary relief
Consumer complaint received 2020-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Bank of America is violating my rights by placing a fraudulent account on my credit report. I am a victim of identity theft and I will file a lawsuit against Bank of America if they do not remove this fraudulent account from my XXXX  and XXXX  credit report. 

Someone opened this fraudulent account in my name without my permission. Please remove and delete immediately : 1. Bank Of America Account # : 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 2021-01-24
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: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2020, I disputed several collection items, XXXX XXXX Account number XXXX -- Account number XXXX with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

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 2019-06-02
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
These medical bills violate the HIPPA law. Also they we're filed while my full coverage insurance threw XXXX XXXX was being processed. I now have full coverage XXXX to cover every single bill disrupting my credit score.

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 2021-01-23
Company: EQUIFAX, INC.
State: GA
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:
While XXXX with the United States XXXX, I received late charges to my XXXX 's credit card account. Prior to XXXX I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the XXXX XXXX XXXX department and reported negatively on my credit report with all three bureaus. 

Once off XXXX, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the collection agency and credit bureaus to have the account removed under the SCRA with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
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: Investigation took more than 30 days

Complaint:
I sent transunion a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for 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 2020-05-31
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:
There is a charged off acct reported in my credit with XXXX XXXX and I have sent several certified mail investigation requests to XXXX, Transunion, and XXXX  and they ALWAYS come back stating that the information has been " verified ''. 
I have requested a " Method of Verification '' so they can verify the information on this XXXX XXXX acct reported in my credit. These three credit bureaus have never provide the requested information : 1. Name and position of the person who verified the information. 
2. Number where they called to verified the information. 
3. Date and time when they called to verify the information. 
4. Supporting documents verifying the information. 

They also reporting this acct with a balance and this is wrong and illegal as the acct is already reported as charge off. 

Thanks in advanced for your help to resolve this matter and remove this acct from 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 2021-06-03
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife XXXX and I have a VA loan processed through Home Point with an excessive amount of property involved with securing the load as well as accumulated equity. Now, at age XXXX, I am manifesting the results of XXXX and XXXX XXXX received in XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX. ) It is our desire to sell some 10 - 15 acres of the excess property so that we may make changes to accommodations in our home and to travel a bit across the country - while we still can. 
My problems with Home Point have been going on since XX/XX/2018 when they did not honor the Disabled Veteran Tax exclusion issued in Texas. After several phone calls I spoke with an " Escrow Expert '' and reached a settlement over the phone that like several times throughout out financial relation has not been reflected on paper. 
We have three buyers of our pasture land that is a part of our loan waiting to go to closing. I was told there would be no problem in the releasing of those 15 acres but at the meeting we discovered that no action had taken place. 
The title company made phone calls while we set there in her office to see what the hold up could be, she was given phone numbers to what turned out to be irrelevant government agencies, rather that the proper department at Home Point. But the next Monday they ( XXXX XXXX XXXX notified me that Home Point had certain demands to even " consider '' the release with no guarantee that the XXXX fee would be honored, but, was only to consider the possibility and that if accepting my written request there would be other fees associated. I drafted the letter and placed it and answers to a form in XXXX 
I have not heard from Home Point as to even their receipt of the request. So, I'm asking you to ask them to get the lead out and release these few acres so that the buyers can move forward with their plans and so can we.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
State: TX
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 had a collection company call me after 13 years to collect a debt I have not heard about until I just started the home buying process. Its like they are monitoring your credit and use that info to extort the money from you. Not to mention they call from a local number when they are actually in Minnesota

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 2020-05-31
Company: Experian Information Solutions 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 my report from XXXX XXXX XXXX. I've notice that an account under the name ; XXXX XXXX credit is currently reporting on my Experian Credit report, with no past due balance, no original creditor name & address, payment history, doesn't not identify whether or not if the account has been sold or transferred. All multiple inaccuracies and violations committed under FCRA rules section 1681 and violations of the FDCPA section 809b

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 2021-06-03
Company: CCS Financial Services, 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 status incorrect

Complaint:
called collection company, which is not the original creditor, and informed them that this bill was part of the hospital bill, either XXXX XXXX or XXXX XXXX XXXX XXXX XXXX, and these bills were paid by Dept of Veterans Affairs, also when the hospital accepst payment the entire bill is considered payed in full. the XXXX XXXX who is the origanal creditor only received what the hospital disbused to them. but me the Veteran is not liable for any charges, being the original creditor was contracted to the hospital .so this bill should not be put on my credit report as a charge off .and the date of service was last year in XXXX, not this year in XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
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:
I have submitted the proper documents and they still haven't solved the problem.

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 2018-05-08
Company: Merchants Financial Guardian, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Merchant FInancial Guardian account was added on my credit report in XX/XX/XXXX. I contacted them in writing in XX/XX/XXXX asking them to send me copies of documentation showing that this is my account. I responded to the letter they sent me on XX/XX/XXXX stating that I owed XXXX XXXX.

They never responded after initial letter. I continued to contact them over the phone requesting documentation to assist me with this matter. The stated would receive something in writing within 90 days. 90 days passed still nothing. In XX/XX/XXXX I then reached out to them again with a certified letter. I have attached the letter sent to Merchant financial on XX/XX/XXXX. I have still not received any response or resolution for this matter. 

.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
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: Information belongs to someone else

Complaint:
This is reporting on my credit bureau and IS NOT my information. The company refused to correct it. 



XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
As a co- borrower on a loan I have requested basic account information, monthly statements. XXXX being denied a right to manage this account & protect my credit.

Company response to consumer: Closed with explanation