BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions 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:
My credit report shows a collection from XXXX XXXX. In numerous correspondence with XXXX XXXX, they have failed to provide accurate documentation showing that this alleged debt has a valid reason for being reported past 7 years ( debt proof is dated XXXX, which is uploaded here ). The documents state the debt is 13 years old. 
I contacted XXXX and Experian and disputed the accuracy of the collection reported by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. On both occasions XXXX and Experian has stated that the debt was verified. However, XXXX XXXX has failed to provide me with documentation to prove the validity of this debt to be less than 7 years old ; therefore it is impossible for XXXX   and Experian to have properly verified the information reported. On XX/XX/XXXX, I uploaded the letter I received from XXXX XXXX to XXXX and Experian dispute site and explained that this is the only proof XXXX XXXX has been able to provide regarding this debt which is already 13 years old and I ask them to delete this item from my credit report since their is no valid proof that it is less than 7 years old. XXXX and Experian sent me a resolution dated XX/XX/XXXX stating that they investigated the information I disputed and it still shows the collection from XXXX XXXX XXXX report is attached ). At this point the actions of XXXX XXXX and XXXX   and Experian for failing to verify and report accurate information on my credit report is causing me monetary damages as I am unable to get approved for a professional license.

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 2018-07-17
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX SEND THE COP TO MY HOME THREAT TO TAKE ME TO COURT.TRING TO SUE ME FOR A CREDIT CARD THAT I NEVER HAD.SOME ONE ELS OPEN A CREDIT CARD IN MY NAME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-31
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im XX/XX/2020 via telephone call to ( XXXX ) XXXX, I requested validation of the service address for said {$190.00} debt IC System claims I owe. To this date I have not received that information. My previous dispute asserts that this debt is not my debt, however, despite this, they continue to report it as mine on my XXXX  credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. These inquires need to be deleted from my credit reports as soon as possible. 

XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX These inquires need to be deleted from my credit reports as soon as possible BECAUSE I DID NOT authorize 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act and other law. 
The agency failed again to reinvestigate on time and provide support. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.

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 2020-05-27
Company: EQUIFAX, 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:
I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT XXXX XXXX AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH EQUIFAX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains late payments reported on my credit report for my XXXX Credit Card account. 

I want you to know that I understand my financial obligations, and if it werent for unforeseen circumstances Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how youve improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for apartment, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been in my home since XX/XX/XXXX and I purchased it for {$72000.00} and here it is XXXX and I still own about {$63000.00}. My mortgage has been sold many during time, I fell behind in XXXX and had to file bankruptcy and during my bankruptcy I was informed that my late payments would be placed at the end of my mortgage. Here it is about XXXX  years later and I still have XXXX  years on my mortgage. Right now Im paying my Mortgage to XXXX XXXX. I just informed by XXXX that XXXX mortgage owns my loan XXXX mortgage loan trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back on XX/XX/XXXX I received a letter from Hunter Warfield about a debt that was not owed by me. I advised them that my daughter rented an apartment and put me on as a cosigner. I told them before that this was not authorized. They continued to harass me until I asked them to validate the debt. They never sent the validation so the ended up having the debt deleted from my credit. NowXX/XX/XXXX they call me again and ask me to send proof that it not my debt but ask me to fax the info.i was at work so I didnt have with me but intended to send them the actual rent contract that they sent the week prior without my signature not anywhere on the agreement. Then XX/XX/XXXX they have this collection on my credit file. I want this removed and feel that they did not handle this properly and I want it fixed so that they cant do this again. This is my second complaint for this same situation.it was also reported to XXXX in XXXX Fl

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me and are reported erroneously. I am in desperate need of these items to be REMOVED and BLOCKED. 

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 2020-11-11
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My information was sold to them illegally since I've never had an account with them. Even after trying to rectify the situation by paying what I could and still having the means to survive after paying, they didn't accept my payment offer. We are still in the middle of a pandemic and Ad Astra is still trying to take the entire balance owed to them, which again, was illegally sold to them because my loan was through Speedy Cash not Ad Adstra

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX All violated my rights.

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 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 2020-11-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We entered into a forbearance agreement on our home mortgage with LoanCare, and recieved a written agreement dated XX/XX/XXXX. The forbearance was for 180 days, and says in the agreement it is effective XX/XX/XXXX and expires on XX/XX/XXXX. Per telephone conversations with representatives from LoanCare, we were instructed to request a deferment of these payments, so that they would be tacked onto the end of the loan, so that the entire balance due would not come due at the end of the forbearance period. We did so, and were told via telephone that this would not be a problem. However, contrary to what we agreed to on the telephone, when we received the written notice regarding the deferment, it was for only two months instead of three months. We started calling LoanCare as soon as we received this information, and they told us that this was not uncommon, and it would be corrected. We started making our mortgage agreements, as agreed, on XX/XX/XXXX. However, LoanCare applied the XXXX payment to the month of XXXX -- which should have been precluded due to our agreement. I have had roughly ten phone calls with LoanCare since that time, and their response is that " their loss mitigation team '' can not change the terms of the agreement. Please note that we have continued to make our mortgage payments on time per the terms of the written forbearance plan, but LoanCare is still applying the payments incorrectly.

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 2018-04-21
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX is showing up on all 3 credit bureaus. I have disputed this acct with the company directly and with the credit bureaus. And they will not remove this account from my profile. I have asked them to provide me with the original loan application with my signatures and they haven't not provided me that. They sold the account to XXXX XXXX XXXX on XX/XX/2016 with an balance of {$4600.00}, I have also reached out to them asking for a copy of the original loan application. My date of both is incorrect when they called to try to verify the account with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Southern Management Systems Inc.
State: AR
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:
I received notice from Southern Management Systems , Inc., about XX/XX/2018 for an alleged debt owed to XXXX XXXX. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt collector if collection efforts are successful.

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 2020-05-27
Company: WELLS FARGO & 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: Information belongs to someone else

Complaint:
I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.

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 2017-09-15
Company: SYNCHRONY FINANCIAL
State: WA
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:
I have a Banana Republic Visa account that is managed by XXXX XXXX. There was a charge of {$100.00} made on it that I did not authorize in any way. I disputed the charge in writing and talked to the fraud department at length. They agreed that it is a fraudulent charge and said that they would remove it. 

However, I am receiving daily harassing phone calls about the fraudulent charge, even though Synchrony/Banana Republic has already agreed to remove it. I do not think it is legal for them to do so.

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 2021-09-02
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I was pre qualified for a XXXX XXXX XXXX  card and the application said it would not effect my credit score. I checked today and found a hard inquiry on my credit score. Called XXXX XXXX and told them I was not happy about this and to cancel my application and remove the hard inquiry.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting act XXXX  Account # XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights.

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 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 2021-09-02
Company: ProCollect, Inc.
State: TX
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 a collection account randomly appeared on my credit report From Pro Collect. I NEVER received any notification in the mail or otherwise. No right to dispute. Which is illegal. No phone call or anything. They are extremely rude and hang up. I contacted the original creditor XXXX XXXX XXXX. who confirmed my account was sent to collections in error by new property management company, they stated they would take care of it. on XX/XX/XXXX I received a letter from Pro collect stating the account was being submitted for deletion to the credit bureaus and this matter was closed. As of today this inaccurate derogatory account is still be reported. I disputed the account with the credit bureaus which is still pending 3 weeks later. I am being denied a loan due to their illegal business practices. I called pro collect today to inquire about removal the rude guy stated I would have to send an email to a person named XXXX to request deletion. before I could ask for the email address the rude guy hung up on me. This account never should have been reported in the first place and this company is violating both the fair credit reporting act as well as fair debt collection practices act. No excuse why they havent taken any action to remove this 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