BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is a written letter that Experian has requested that I gave to write in my request. 
It comes down to someone with in Experian has been running my credit to obtain credit to defraud me I have proof I have not applied for credit in over 90 days and credit report shows companies that dont no me or even deal with the type of credit that was ran for through experian, experian I filed complaint and now am blocked from writing calling and even online account. and now the person that blocked me was a manager for the special handling unit named XXXX and both managers are Female thats proof of security breach within the company they refused to give me my credit report request when denied credit so if this problem is not fixed I will report it as a possible XXXX attack on my social security account the companies that are on my report experian has told me on recorded line that the only information on some of these account only show they provided name and date of birth no SSN then applying a fraud alert on my account and sending to the three other reporting agentsys they put fraud alert but experian cant show who requested the fraud alert and I am blocked from calling and online account and righting per my pryor complaints through the FTC and CFPB and the Texas Attorney Generals office the problem is coming from the possible XXXX attck from a male Manager in special handling unit manager but special handling unit managers are Female. 
They told me I had to write a letter I told them I cant read or write well because of my XXXX they said my XXXX has no bearing on this complaint so they dont care. XXXX discrimination. I am being helped by the spelling from my wife for this complaint. Here is some of thecompaneys that dont exist or ever heard from my or show me evere applying with them XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-02-02
Company: JPMORGAN CHASE & CO.
State: RI
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is Several different ways that I am listed on all three credit Bureau. I would like this corrected. So to clarify my name, it should be XXXX XXXX XXXX DOB XX/XX/XXXX and address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am recently divorced and my maiden name has been granted back to me in my divorce decree. If the other personal info can be removed. This would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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: Was not notified of investigation status or results

Complaint:
I have sent numerous of letters with questionable accounts on my credit report and have not received a response in a timely manner.

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 2022-08-05
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:
I have recently requested for a full check of accuracy on all three of my credit 's reports from, Transunion, XXXX and XXXX. I have done a full investigation on this accounts that I have notice to not be accurate on my reports, after I requested the credit bureaus to look in to the this matters at hand. I requested my credit bureaus check for accuracy in XX/XX/2022 and also in XX/XX/2022, I see there are serve accounts that are not accurate or not mines still present on my reports. According to The Fair Credit Reporting Act, 15 U.S.C.1681 section 602A. States I have the right to privacy. The Fair Credit Reporting Act, 15 U.S.C. 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. Here is the listed of account wrongfully, inaccurately, or not mines at all that is still been reported on all the credit bureaus or just on one or two bureaus. I also have a police report on where my wallet was stolen out of my car. Someone was trying to open accounts in my name. 

XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX I Account Number XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXX Original Creditor XXXX  Account Number XXXX XXXX XXXX XXXX XXXXXXXX Account Number 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 2020-05-13
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, My credit report was requested from Equifax and it was being reported that I have a XXXX score with Equifax. I have back in XXXX sent Equifax all of my information, and credit reports from other agencies as proof and yet still today I have been denied credit because I have no score with Equifax. Yet my personal information was stolen from Equifax to the sum of me receiving over 30 calls and emails since my information was obtained through their system. I have lost XXXX home loan deals because of Equifax not reporting my credit and have had to pay higher interest rate because of their frailer to report my credit history from past and present. I have written to then sent an affidavit of proof of self and credit that is being reported by other agencies to no avail. I don't know what else to do. How can a credit reporting agency refuse to report your credit history when that's the job of the business. They refuse to simply report my credit history when requested by reporting only that I have a XXXX score with them they have no history for me so they claim yet they allowed someone to hick in and steal my information all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from XXXX XXXX drawn on its XXXX XXXX account at XXXX A.M. on XXXX XXXX with my checking account with the Bank of America. As of today, XXXX XXXX, the check has not cleared the Bank of America! 

I called the Bank of America customer line. I spoke with a person who said that the bank was " in the process '' of clearing the check and that the funds would be available at XXXX XXXX on XXXX XXXX. 

I asked why the long delay. No answer. 

I repeated my question several more times. No answer and then the person hung up. 

There can be no excuse for not clearing a check within a reasonable amount of time which is no more than 2 to 3 days! But here the Bank of America will not clear the check for 10 days! 

Is the Bank of America using my check funds for other purposes? 

Why such a delay?

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 monetary relief
Consumer complaint received 2020-01-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Basically all the trouble started when I was changing insurance company. The company I chose to insured the house deny coverage, after the escrow account from the mortgage company pay them, so I found another insurance company. The insurance who denies coverage sent me a reimbursement check. I deposit the check on my account and sent a replacement check to the mortgage company with a note written on the check to be " deposit to escrow account ''. The mortgage company deposit the check on the wrong account, into the interest account, and demand us to pay a late payment for the escrow account. I contacted them several times to fix the issue, they agree even in letters that was their mistake, but told me that the only way to fix it was for me to pay the late fee and the money which they wrongly deposit into the interest account. So they miss-place funds and they want me to pay for their mistakes. Not only they treatenning with foreclosure, my credit report was damage, when they even told me that they did not do it. I got emails phone calls and letters of them admitting the error, but telling me, that the only way to fix it, is for me to pay the late payments and money they are claiming I own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a settlement offer on XX/XX/XXXX from XXXX XXXX XXXX , XXXX alleging a debt of {$4600.00}, this is the first mail contact I had with XXXX XXXX XXXX. On XX/XX/XXXX I mailed a certified letter to them asking for validation of this debt. They sent me an account statement from XXXX XXXX ( XXXX ) and a statement from them that said they owned the debt. On XX/XX/XXXX I sent another letter specifically asking for verification from XXXX XXXX that they have sold or transferred the debt to Midland. I have received nothing more to date from Midland. 

I have attempted through XXXX and XXXX  to verify this debt. Nobody has been able to provide me with documentation from XXXX in writing that they have sold this debt to Midland.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: Experian Information Solutions Inc.
State: AR
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 a letter, from the attorneys that sued XXXX XXXX and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.

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 2020-05-26
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 had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted XXXX about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, XXXX and Experian about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 a letter, from the attorneys that sued XXXX XXXX and clearly states, the account should no longer report late payments, and to delete account from all credit reporting agencies.

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 2018-07-09
Company: LD Holdings Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They called from this number XXXX on XX/XX/2018 XXXX XXXX and XX/XX/2018 at XXXXXXXX XXXX. Its a recorded message left for a XXXX sounds like XXXX or XXXX to call Loan Depot. I called them to tell them they have the wrong number to stop calling. They informed me sorry but unless I have the loan number or SSN number nothing they can do. I said, How would I have that information? Its not my debt. Sorry. I said ok. I will just report you to the FTC or harassment and hung up. The return telephone number on the recording is 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 2020-07-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/ and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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
Consumer complaint received 2019-11-15
Company: Receivables Management Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX reported on XX/XX/XXXX on my credit report that I had 4 unpaid medical collections. After the auto accident, I set up a payment plan with all 4 amounts included. In XX/XX/XXXX or XX/XX/XXXX this debt was paid in full, no other payments have been deducted from my account and no other contact has been made with me from XXXX. But, on my credit report it shows unpaid and that it has never been paid at all. I contacted them several times, couldn't get an answer or a return call or email. I filed a dispute thru XXXX XXXX and they only removed 1 of the 4 amounts and are saying the others are accurate. This is the only bad mark on my credit and I need this to be removed as it has been paid in full. The medical bills were thru XXXX XXXX in XXXX IN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a car that I had under my business and now they reported me late when I never have missed a payment since the beginning. Please remove this late payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Phelan Hallinan Diamond & Jones, PC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This criminal firm ( find guilty in Superior court for defrauding and lying to their clients ) consider that is a harassment defending a property for which you do not have any obligation is consider harassment that what is consider there criminal illegal fraudulent and deceiving activity inside my property Terrorist act Crime against humanity what is consider?

I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms XXXX  and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in PA was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a claim to equifax fraud department on XX/XX/22 for accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX These items were not removed despite my demand. Please remove these accounts from my credit report or I will have to proceed with further litigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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:
XXXX  XXXX on my report is incorrect. 

This account is reporting to be charged off. If the account is charged off, how can it have a balance and how is it reporting every month. According to the law if the account is charged off and the company has charged it off it should not be reporting with a balance, Please correct the incorrect reporting on this account, The balance is incorrect as well. I spoke to XXXX XXXX XXXX ID # XXXX and XXXX ID # XXXX and they both advised that this balance is incorrect. I also have a letter from the company dated XX/XX/01 that the balance is incorrect. WHy is it still reporting incorrectly. 

How is this verified, what is the method of verification? who did you speak to?

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 2021-02-02
Company: Convergent Resources, Inc.
State: NY
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 have been working with XXXX XXXX for over a month, trying to make payment to them. 

They refuse to accept my payment IN FULL. They have ruined my credit and referred me to convergent outsourcing. 

I called convergent this morning, and they advised they do not have an account with my name, and to call XXXX. 

XXXX keeps referring me to Convergent. Convergent can not located my account. 

Please help.

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