BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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:
To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, F.C.R.A. violation. 

XXXX XXXX  A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: TCF NATIONAL BANK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My records associated with the account XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 but I did not receive what I asked and these violations persist on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Was not notified of investigation status or results

Complaint:
I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the XXXX  data breach, and it may have got into the wrong hands.

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 2021-06-14
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:
I have a closed credit card account from XXXX with XXXX / XXXX that is seven years old and has been disputed before and on XX/XX/XXXX, XXXX one out of the three credit reporting agencies removed this account from my credit within five days, the other two agencies XXXX and Equifax told me by phone on XX/XX/XXXX they have to follow federal guidelines but have the right to retain this information on my credit during that seven year period even if the closed dates are disputed to be incorrect, this account is showing in the Equifax system as frozen after it was disputed, it was explained to me by Equifax customer service this wasn't done by them that XXXX  / XXXX put a freeze on this account so nobody could remove it from my credit until XX/XX/XXXX, I contacted XXXX XXXX  questioning this and got nowhere with them, XXXX is continuing to report this until XX/XX/XXXX and will not remove it until that date, this may only seem like a few months but this is a way for the credit card companies and credit reporting agencies to punish the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy. 

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions

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 2019-08-08
Company: Experian Information Solutions Inc.
State: NV
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:
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 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX and 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 2017-09-27
Company: Quality Loan Service Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Ceo of XXXX XXXX XXXX XXXX XXXX. You must prove you have a contract with me as trustee or collections, and any other transaction, which you ca n't. .XXXX. XXXX i have no account at your bank, and all other is private. XXXX is trying to steal through fraud deception of money I do n't owe them, and can not prove they lent me money, and statue of limitations to collect after bankruptcy XXXX, illegally along with two trustees acting in XXXX with armed forces police, sherrif, military mercenary or otherwise it a threat Commercially illegal instruments, that they have no rightful claim on or they would have done so. XXXX needs to prove who the Attorney is and XXXX XXXX, and Quality Loan Service and XXXX XXXX XXXX that did not even loan money but used my credit to go to the Fed window and use funds and lend back out with XXXX 9.99 % interest to 14 %. XXXX XXXX XXXX has not been in business since XXXX and I have no contract then with two signatures one with them and me on any paperwork nor their parent company XXXX XXXX. You all have arrest warrants issued and a defaulted bill. Principle to agent, agent to principle. Show your face who you are and XXXX XXXX and others such as XXXX XXXX has a defaulted bill in force. XXXX XXXX will be coming out for your XXXX. someone has forged my good name to the 1-4 rider documents and is a crime per California code 115 a. and no trespass as well. You are now Liable once again. You better have a chain of title if anyone steps foot on my land and you cant foreclose since my property has more than one address and service only one as well. hint you charters are being reviewed now. XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A rentor deposited rent into Truist checking account by mistake. Can't get the funds out. Have spent much time on phone, on hold, drove to supposed representive who wasn't, no response from Truist. Account is locked. Nothing I do gets my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
Credit card to XXXX XXXX that was defaulted on in XXXX XXXX 2010 and they charged it off. Midlund funding bought it and keeps reporting it as new debt when it is not and it is negatively impacting my credit score. I have went through XXXX XXXX several times to dispute it to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX  & XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , CA XXXX XXXX XXXX XXXX  XXXX XXXX , CA 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 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX Reports : EXPERIAN : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  XXXX : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : 1. XXXX Inquiry : XXXX XXXX, XXXX XXXX  : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 2. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXXXXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  Inquiry : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : 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 2017-07-05
Company: Eltman Law, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I responded to a wage garnishment. I went to the court and filed the necessary response. The officer informed me that the company had 30 days to send a response. The 30 days came and went. Since I had asked for a copy of my application and the amount owed at the time of write off I assumed this information could not be found. I then called XXXX and was told to contact the agency that had my account. I spoke to a rep who was located in New Jersey about my account. He started to ask my information like address, ss #. I decided that if this company was suing me they should have this information. When I asked this question I was " disconnected ''. I did n't hear from the agency again. XX/XX/XXXX I was informed by my payroll department that my wages would be garnished again I tried to get information. This time I found that the agency is in XXXX XXXX. The practices of this company are sneaky and unfair. I feel I did respond within the time frame. I was also told by the sheriff that I had correctly responded to the order. Why was there no response? The company then waits a year to garnish me without any further notification?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: CITIBANK, N.A.
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: Investigation took more than 30 days

Complaint:
I filed for bankruptcy with my husband on XX/XX/XXXX. My attorney that handled our case name is XXXX XXXX here in XXXX, XXXX My problem is with Citibank and XXXXCitibank . They have reported negative information on my credit report since the day we filed and would not change it. They have reported the private student loan as charged-off instead of in-deferment. Our bankruptcy was discharged in XX/XX/XXXX. The private student loans were discharged in our bankruptcy. They were notified again but would not make the change or remove it from my credit file. 

I made several attempts to contact them. I've been trying to get this permanently removed from my credit report since XX/XX/XXXX. They finally removed it. They put the private student loan back on my credit file in XX/XX/XXXX and made my credit score drop from XXXX to XXXX. The status is showing paid/charged-off. They still will not remove it. I have written to them and called, they will not respond. I sent them the bankruptcy discharge and the credit bureaus. XXXX XXXX has sent in requests to have the information removed numerous times and they still will not respond. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On XX/XX/2018 I requested an increase on my Walmart card. My current credit limit is {$210.00} I've asked for an increase as low as {$100.00} as high as {$500.00}. I was denied the increase stating that my credit it's not good enough. They advised me 5hat they get credit info from XXXX. On that date I checked my credit score with XXXX and was told my score. My credit score on XX/XX/2018 was XXXX. Walmart is telling me it is XXXX.

I asked them to please reconsider and they told me they will open up an investigation to look into it to call back and 30 days. I called Walmart credit card services on XX/XX/XXXX to find out what happened I was told that the denial still stands. They can not tell me what the reason is but will send out a general letter stating it could be delinquencies on my credit, credit score too low or something in that general description. I asked if they could please give me in detail what is keeping me from getting the increase they refused to. I don't know if they're looking at someone else 's credit score and credit history or it's just outright discrimination. I owe nobody I make {$60000.00} a year and I have no delinquencies my credit score has gone down to XXXX because of interests of re lfinancing my home. I would like to know what is wrong with my credit to keep me from getting an increase. Thank you so much for your time.

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 2021-07-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: FB FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I tried to set up a plan to pay my owed mortgage payments after forebearance. It was to end XXXX XXXX. I contacted my Servicer on XXXX XXXX informed them I could pay. They said I could enroll in a slim line program. Later they said the investors said I did not qualify.After several conversations and talking with different agents, I was informed I would be placed in loss mitigation, I have sent requested information and each time. Something is missing.Six months later I began to have requests for payments of XXXX. I initially sent XXXX. This covered six months of forebearance. The remainder in lump sum was requested each time I called 2-3xs weekly.ZI had to borrow and paid XXXXest on XX/XX/2022. The money is in suspension and still has not been applied as should. My next payment is due XX/XX/2022. I still dont know exactly what my balance is. Also I am tax exempt but escrow cant find supporting documents they sufficed prior to forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: NH
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:
On XX/XX/XXXX I noticed a large disparity of my credit score with Experian ( XXXX  ) vs the other 2 major organizations ; XXXX  ( XXXX ) and XXXX  ( XXXX ). 

There aren't many differences with my credit history on all 3 and a difference of 80-100 points stands out as a problem with Experian. 

The issue I see with Experian is its reporting methods and inability to dispute. I filed Chapter XXXX in XXXX and I had approx. 20 ( give or take ) discharged accounts. Experian shows one account as in Collections and also shows the account discharged from bankruptcy. Mostly all the accounts that were discharged were in collections. They are all no longer in collections. I'm unable to dispute this. 

I'm thinking there are problems with their calculations. I'd like this checked out and they should allow disputing options for every piece of personal credit history THEY choose to report on.

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