BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have already provided photos and documents proving that I fulfilled a lease that I was taken to court for. The attorney on behalf of the company who sold the debt to the collection agency did not object to the eviction and the debt being dismissed with prejudice during the eviction hearing. Months after the hearing XXXX XXXX XXXX sent me all the documentation that I used to prove my case in court in the form of validating my debt for collection. I have tried numerous times to have this item removed from my credit report and also requested that if the company who originally reported the debt wanted to collect they should take me to court. No court action has occurred, as the previous case was dismissed with prejudice, however, the Collection agency continues to report negatively on my report. 

I gave notice of intent to vacate on XX/XX/2020. I turned in the key on the last day of my lease agreement on XX/XX/2020. A walk through was denied due to COVID, however, I took photos of the entire house prior to returning the key.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Diversified Consultants, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I seen a collections on my credit that is not mine. I didnt open this account. Someone else opened it in my name. If I have to I will get an attorney to get this account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( 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 2017-07-12
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
Company/creditor name : Santander ( auto lo an )  The company is incorrectly reporting information. they seem to be re-aging the account. The original open date of the account is   XX/XX/XXXX . Santander is reporting it as  XX/XX/XXXX .    The original date of the last payment was   XX/XX/XXXX . Santander reported it as  XX/XX/XXXX  and later updated it to  XX/XX/XXXX  ( after dispute filed  XX/XX/XXXX  ) This i nformation is only reporting incorrect on my  XXXX   XXXX  report. I filed a dispute with  XXXX   XXXX  on   XX/XX/XXXX  an d Santander updated the account but still has the dates wrong. According to my records and the  XXXX  other reporting agencies this account should have " fallen off '' of my credit report in   XX/XX/XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Spring Oaks Capital, LLC
State: GA
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 am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested. 

I am not liable for this debt with spring oak capital LLC. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: SC
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:
Pursuant to 15 USC 6803, at the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to the consumer, in writing or in electronic form or other form permitted by regulations. Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the consumer, the credit bureaus violated my right to not giving me the right to opt out clearly and conspicuously. In addition, the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to a 3rd party in which the bureau 's violated this this law as well because I was never disclosed at all. I was never giving the right for nondisclosure, opportunity or explanation on how I can exercise my rights. I demanded that the credit bureaus remove these accounts off my credit report immediately XXXX Account XXXX XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$500.00} written off. XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$420.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. {$2.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XXXX XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$630.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$500.00} past due as of XX/XX/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 2017-07-12
Company: EQUIFAX, INC.
State: PA
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:
Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
<P/>
They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XXXX 2019 it will be dropped. THIS IS TRUE.
<P/>
18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
<P/>
14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
<P/>
10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Early in XXXX the escrowed insurance company was pulling out of FL & it took me a bit to procure new insurance. Insurance was paid by Mr. Cooper XX/XX/XXXX. XXXX months later I was informed because my name was not on the mortgage, we needed to submit documentation that the courts had awarded me the estate and changed the deed. Which I did on XX/XX/XXXX. Fully understandable and not an issue. 

The next statement showed the estate of my mother c/o of me, but they mispelled my name. I didn't think anything of it until they added {$6500.00} worth of force placed insurance onto my account in XXXX when doing the escrow audit. After multiple calls to multiple departments being told numerous time 7-10 business days to correct, nothing is corrected. 7-10 business days to correct their error in typing my name is insane. Then another 7-10 business days to possibly correct the {$6500.00} in forced insurance that should not have been there. In the meantime they have added {$540.00} per month in unnecessary insurance causing my payments to be 60 days late with unapplied funds. 

7-10 business days to fixe their errors in multiple ways is insane. Mr. Cooper should be held liable for the hours and stress they have caused. We are at the end of XXXX & still being told 7-10 business days to fix THEIR errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX, XXXX I have sent letters to update my address which was wrong on reports no changed made by them.

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 2022-04-25
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:
In accordance with the Fair credit report act XXXX XXXX has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX 2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA 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 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 2022-10-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It pays my attention that the following accounts are inaccurate. I am a consumer by law. I am not happy about what I saw. This hurt my credentials as a consumer. I am not aware from those account. 

DEPT OF EDXXXX

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 2020-04-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery harasses me about 6 times a day. I block their number and they find all my numbers and repeatedly and rudely harass me about a debt. Ive asked them to stop and told them Im in the process of bankruptcy and have a lawyer for that. They wont listen and when I block their number they call back with another one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few years ago, my ex opened a XXXX account in my name and didn't return the equipment. I didn't know this until I went to try to open a Spectrum account in XX/XX/XXXX. I informed them then that I had no idea what they were talking about. They didn't offer me an option to just pay for the missing equipment. I forgot all about it until flash forward to XX/XX/XXXX and I see that XXXX  has sent me to collections with the organization I'm reporting. Alas, this organization NEVER contacted me whatsoever about the debt and instead just put it 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 2021-12-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am trying to get a copy of my Consumer Report. Every time they do an update I am suppose to receive a copy of the updated Consumer Report. They never send me anything showing any updates. I am demanding copies of my Consumer File and Consumer Report. They are not the same.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, who is submitting this CFPB complaint myself. I have been patiently waiting on Transunion 's response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX )

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 2021-07-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
From XXXX, XXXX through XXXX, XXXX ( 18 months ) XXXX XXXX XXXX ( XXXX ) has made an unauthorized charge to my Chase Debit card of {$10.00} per month, totaling {$190.00}. Chase has agreed that the charges were unauthorized but have refused to refund the amount back to me.

Their reason is that I did not dispute these charges within 60 days. I filed a complaint with their Escalation Department stating the reason for not reporting this claim sooner was that the card was NEVER used. This was actually a second card on my account issued to my executor for EMERGENCY USE ONLY. There was no reason to check the transactions since the card was not being used. Chase verified that the card was never used.

My primary card hadn't been used in over a year as well. When I used my card for several transactions in XXXX of this year, I noticed the fraudulent recurring charge from XXXX and IMMEDITELY reported it to Chase. 
I have also made numerous attempts to contact XXXX which have been unsuccessful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a utility balance of {$1500.00}. on my report from Bull City Financial. My request is to please remove/delete the balance because its paid according to the company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX   representing XXXX XXXX deleted negative information on my credit because they had no supporting documentation that I owed the debt, then Diversified Consultants bought the account and has repetitively sent correspondence demanding payment for the same debt. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2019 DIVERSIFIED CONSULTANTS {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have contacted both XXXX, Experian and XXXX about the reporting of ( 2 ) fraudulent Chapter XXXX Bankruptcies that are showing on my credit files. When I contacted XXXX they refused to do a proper investigation of the matter and only submitted a request to verify my correct personal information with XXXX, and this does not constitute a proper fraud investigation when I have informed both XXXX, Experian and XXXX that my information was compromised as a result of identity theft. These bankruptcies also show that they were filed in the state of S.C., however I have never resided in the state of S.C., so it is impossible that I could have ever filed a bankruptcy in S.C. as that would be prohibited. I have never in my life filed any bankruptcy but I have always lived in the State of Georgia so there as many reasons why these bankruptcy records are fraudulent. I have sent both XXXX, Experian and XXXX my personal statement of these facts, a copy of my police report to prove this was fraud and both of them continue to report information that they know is fraudulent. It is also impossible to file ( 2 ) bankruptcies in a one year period yet both of these agencies claim that I did, but his is 100 % false. These are not my bankruptcies and neither agency are doing proper fraud investigations they are only verifying my name and social security number, and that is improper when I have told both companies I was the victim of identity theft where my information was compromised and uses. <P/>The bankruptcy numbers are as follows : Case XXXX filed XX/XX/XXXX Case XXXX filed 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 non-monetary relief
Consumer complaint received 2023-08-13
Company: Experian Information Solutions 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:
XXXX XXXX XX/XX/XXXX XXXX XXXX After reviewing my credit reports I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with MAXIMUM ACCURACY. I have never been late on a payment. This account XXXX XXXX account XXXX. PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate Experian states I was late XXXX XXXX XX/XX/XXXX however XXXX STATES I was late XXXX XXXX XXXX XX/XX/XXXX. XXXX states I was late XXXX XXXX XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act.

15.US Code 1681e- Compliance for Accurate reporting.

Please correct to paid never late or remove 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