BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting 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 2019-08-07
Company: EQUIFAX, INC.
State: FL
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX and DEPT OF ED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job in XX/XX/XXXX and was without adequate replacement income until just recently. I originally contacted our lender not long after it became apparent we would not be able to pay our full mortgage amount, and continued to send partial payments as we were able. Submitted loss mitigation application through our lender in early XXXX, and throughout the process submitted all documents as requested. At no time was unemployment forbearance discusses ( did not even hear of this option until this month from another party ), and was not told of Save Your Home California until XXXX, when we were denied assistance by our lender and told we did not qualify for any assistance with our lender. Unfortunately I do not have many documents from along the way, as I was not expecting this outcome and did not take detailed notes about all phone calls, but I have recently informed my lender of our extreme dissatisfaction with their assistance in saving our home, and their lack of information provided about all options that may be  available to us. Assistance is currently in review with XXXX, but foreclosure process has been started by our lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I send dispute letters to XXXX XXXX XXXX to dispute on my credit report not able to workmate get other credit to live they mess up by life

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 2021-08-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was submitted to the CFPB for harrasment, After a long drawn out sitiuation the synchrony bank represented by XXXX XXXX agreed for a settlement of {$230.00} which was paid by cheque as a settlement for accounts written on her letterhead as accounts XXXXand accounts XXXX. 
This payment was in full and final settlement. 
The bank is now claiming one account was paid and the other still owes. 
This is a misrepresentation and is untrue. 
I would not have paid for only half a settlement.

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 2021-08-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have attached an account reporting to all three of my credit bureaus inaccurately, and per the FCRA anything reporting to all three of my credit bureaus should be reported 100 % accurate. I have attached a picture of the account with the highlighted discrepancies. Please delete this account asap.

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 2023-09-26
Company: Law Office of Michael J. Scott, PC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My XXXX XXXX credit card was cancelled closed in XXXX  supposedly by XXXXXXXX XXXX which put me into debt situation I lost my employment in XX/XX/XXXX now on social security XXXX, between then and XX/XX/XXXX interest built up around {$400.00} to account when account was turned over to XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX in XX/XX/XXXX I was served a warrant of debt by firm working for XXXX Scott and associates, p.c. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX court date is set foXXXX XXXX XXXX  Scott and associates requested awards letter from social security administration to create hardship account, social security documents were sent to both Portfolio and law firm both say they don't have papers ; faxed from staples to Scott and associates and mailed to Scott and associates, emailed to XXXX. These are social security award letters with my social.sec. # apperarantly getting into wrong hands today I received an scam email commenting on my hard ship which I have only discussed with both plaintiffs.It was from a XXXX XXXX, and has my address XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: PA
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 is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 XXXXXX/XX/2021

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 2020-06-03
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: Information belongs to someone else

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.

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 2021-11-28
Company: EQUIFAX, INC.
State: VA
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/XXXX, I submitted an Identity theft report, FTC # XXXX to XXXX, Equifax and XXXX advising of the fraudulent accounts listed. The accounts are as follow : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX Equifax and XXXX have ignored this very serious matter. I also wrote to the XXXX mentioned agencies on XX/XX/XXXX and have not heard back, this matter is still unresolved and in clear violation of my rights as an CONSUMER. I demand for the above listed accounts be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
On XXXX XXXX th a representative from XXXX XXXX called me and was very rude and demanding I come to the office after I had already explained to them several time that I didnt have the money to make my payment at the time. They keep harassing me calling every day and I am under a credit management company trying to get my finances straighten out. They have refused to work with my debt company, I told them numerous times I was under debt management but they still continue to harrass me about my payment. I just want the harassing phone calls to end and for them to consider working with my debt management company on this debt. When I explained to the representatives that I was doing the best I could she basically told me I wasnt and she felt like I could pay and was refusing not too.

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 2022-11-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX  has inaccurate information reported ranging from amount owed, status and account numbers across all three bureaus. XXXXXXXX XXXX  and XXXX XXXX are unfounded items I have no responsibility for.

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 2022-03-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

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 2022-01-06
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer, and natural person, have submitted a complaint, ( CFPB COMPLAINT CASE NUMBER:XXXX ), to XXXX XXXX of CREDIT SYSTEMS INTERNATIONAL, INC. on XX/XX/XXXX and have also submitted all documents through mail with certified mail receipt number of XXXX XXXX XXXX XXXX XXXX with an invoice attached with all of the documents. In the invoice, there is a due date listed on XX/XX/XXXX of {$1000.00} USD per violation listed and damages of {$18000.00} USD with a total of {$90000.00} USD. I was supposed to have received my check in the mail by the due date listed and no later than 3 days of the due date, a 1 % late fee per day would be assessed until it's paid in full. It is well past the due date and I still have not received my check in the mail per listed violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: FL
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 was applying for a HELOC on XX/XX/2022 with a financial institution, when I was denied. When I requested my credit report I found over 4 unauthorized Inquiries on my credit report. ( 2 ) from Equifax dated XX/XX/2022 and XX/XX/2022, XXXX XX/XX/2022 and XXXX XX/XX/2022. I contacted all of the creditors also the 3 major credit bureaus, XXXX, Equifax and XXXX that where reporting the inquiries. I was told by the credit bureaus to write a letter disputing the inquiries and a complaint from the CFPB, FTC or Police report. Along with providing a copy of the CFPB, copy of my license and a proof of address. As of today XX/XX/2022, I have not gotten any updates or satisfaction. So on XX/XX/2022 and XX/XX/2022, I repeated the process again. All 3 bureaus told me to get a statement form either the CFPB, FTC or Police. I also asked for a copy of the reinvestigation and still to this day, I have not gotten a copy mailed to my house yet. But the bureaus keep posting that it was either updated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Progrexion Holdings, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I spoke with XXXX from the billing department. Agent states I was enrolled on XX/XX/XXXX and paid twice XX/XX/XXXX and XX/XX/XXXX in the amount {$99.00}. XX/XX/XXXX I upgrade my plan to repair advance {$110.00}. My services was ended on XX/XX/XXXX. I ended my services with them, they were doing absolutely nothing to improve my credit report. I felt advantage of. I would call to get updates on my services, nobody from CreditRepair.com didn't provide me with no information. The only time call me was to collect my payment. This company is money hungry and lazy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: JPMORGAN CHASE & CO.
State: MT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was write and check by XXXX XXXX for removal of a tree and topping of a tree boot the sum of {$1000.00} in XXXX of XXXX. I deposited the check into my chase account and they flagged the check. XXXX said they need to verify that XXXX was the issuer of the check and I t was written to me. I have chase the number that XXXX gave to me and chase said they could not verify it and so they wouldnt call it or the financial institution that she uses. Thay said that they are keeping the money till its verified. 
I went to XXXX XXXX  and the number XXXX provided me is the number attached to her bank account. 
This has caused me great troubles. My water has been shut off Im behind on my rent. I have a newborn a XXXX year old and a spouse who is a stay at home mom.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-01-31
Company: Experian Information Solutions Inc.
State: IL
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:
Experian is reporting the following items inaccurately ( see enclosed ). This violates 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 explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: NJ
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 sent a letter to remove the inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, NJ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted last XX/XX/XXXX. I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesting them to remove the following inaccurate personal information, fraudulent accounts and unauthorized inquiries : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and or block any accounts and information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX, and I am including these fraudulent items once again.

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 2023-06-07
Company: Cascade CISS Holdings, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
According to 15 U.S code 1681 c.2 this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation