BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 


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 2022-03-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
To whom can resolve my concerns ; I have been a long-time customer with XXXX XXXX XXXX XXXX XXXX. Over 10 years. This credit card has been my primary card. Without any desire or request on my part, apparently, this card is now associated with a company called XXXX. I have not received anything in writing or a statement about this change. I was notified of this change through an email sometime in XX/XX/XXXX. I was told that a new card and additional information was coming and I continued my payments to XXXX XXXX XXXX XXXX. I have not received a billing statement since XX/XX/XXXX. Additionally, Last week I was communicated through an email that my account is how delinquent. Furthermore, through a phone instruction recording, it indicated that payment could no longer be made through XXXX XXXX. ( without possession of a card, contract, or statement, I do not have an account? ) I have attempted to make contact through phone and email without any success. Unable to create an account online without an account number ; I am unable to acquire information through that process. 

This information was sent to the XXXX XXXX corporate office ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) I have been waiting for nearly one month for my XXXX card so I can set up payments through my checking account. 
2 ) Your phone messages indicate that my payments are now required to go somewhere else therefore ; I do not know where my payments are going. 
3 ) I have been making payments to XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and more. 
4 ) I have been waiting for a statement and payment information? 
5 ) I have awaiting to view a contract and other information regarding this new/transferred account. 
6 ) I am unable to discuss my concerns with your company and I refuse to wait on hold for over 45 minutes with any company. 
7 ) To add to the insult ; I can find no way to contact you through your Web without an established account. Without information and an account number I can not set up an account in order to view information. 
8 ) I will make no more payments on my XXXX XXXX until I acquire an understand of the account status and verify most recent payments to XXXX XXXX 
9 ) A XXXX representative can call me within 20 days this writing. 
10 ) Beyond that ; you can cancel this apparent account. I will resolve payments on the account afterwards upon verification and a suitable understanding. 
11 ) I would reference an account number however ; I dont know if I have one. Also, Who are you ; I dont know anything about your company. 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: AFNI INC.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to   XXXX   I have contacted  XXXX  who advised me that they do not have any record of any past due unpaid debt with  XXXX . They were able to access my records and they advised that my  XXXX  service was part of a service they provided to me as a package bundled with  XXXX  internet service and as such my contract was with  XXXX  and all billing was done through  XXXX .   I have contacted  XXXX  who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the  XXXX / XXXX  bundle was provided that had been passed to another collection agency and that was paid in full in  2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX financed {$75000.00} for a {$140000.00} Solar project.. we were told it was a low interest government loan... Mosaic charges ... 5.24 % ..interest.,,. we were dual financed XXXX Mosaic and XXXX XXXX XXXX XXXX XXXX charged XXXX XXXX XXXX a {$70000.00} loan ... the convicted felon Installer ... yes ... convicted of Fraud and Forgery..dual financed us..which broke His contract with XXXX... they canceled it after XXXX phone call and showing proof ... Mosaic refuses to help... even though they were sent proof and a link to a XXXX page solar report.., detailing how the system is completely DEAD.., full of huge installation errors... and poses a risk for serious injury or XXXX ... we informed them over XXXX times ... our system was never finished ... never connected.., they have reported us for late payments ... harassed us with collecting calls.., and will put a lein on our house..all while supporting the convicted felon installer ... who lies ... the interest rate they are charging us .., is outrageous... it was represented to my XXXX and I as LOW INTEREST GOVERNMENT MONEY ... in my opinion.., Mosaic XXXX running a loan shark company ... that's how badly I feel they have acted ... totally in bad faith...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Agreed to voluntarily return recreational vehicle XXXX XXXXXXXX XXXX related to COVID crisis in exchange to remove debt and debt still remains on credit report in the amount of {$1400.00}. Received letter from company saying I owed money still after the sale of vehicle which was not discussed with me as an agreement to be owed after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Block, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Well I had a company trying to charge my account with a subscription that had been canceled they tried with XXXX different fictitious names for their company and each one of them had I had the money in my account would have been debited to them I told cash app every time they did it I wanted them blocked they had no right to take my money I tried to stop put a stop payment on it several times to no avail finally they got the money out of my account I disputed it I'm on the XXXX day without a word from them I've had to contact them every day trying to get my money back trying to get the temporary provisional credit and nothing I can't even get anybody tell me the same straight story I can keep getting told their specialty team is escalating it I was told by XXXX person I didn't even have a dispute phone I was just told yesterday that it would be taken care of yesterday evening or this morning so I've been on here with them all day and I can't get anybody to just ignore me now I showed them in their own terms and conditions what it said that they have XXXX days after the XXXX days they have to either tonight or give me a provisional credit I'm on the XXXX day and everyone acts like it's no big deal I don't know what to do I keep getting lied to for some generic answers given to me over and over and over I called the company to try to get my money back they told me they would refund it to me I've never seen it that's why I disputed after that I disputed it I then called back the week after right before I did dispute it and they were reward center now they're not even the same company but it's the same employees working there saying it's not them and I know because I spoke with XXXX of them on the phone they're scam XXXX and that's all they're doing I don't understand how that's a hard investigation to pull off when I tried to stop payment on it to begin with that's where it should have been to that and I told them that it's all in the transcripts all in the transcripts of me chatting with support everyday for XXXX months now almost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Resurgent Capital Services L.P.
State: PA
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:
My account has been too old to be on my credit report so I want it to be removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Resurgent Capital Services L.P.
State: PA
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:
LVNV reported to all three credit bureaus that I owe them {$780.00}. I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-21
Company: SUN LOAN COMPANY INC.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
SUN LOAN SHOULD NOT BE REPORTING ON MY CREDIT REPORT, IT WAS PART OF BANKRUPTCY AND SHOULD NOT BE ON THERE.

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 2022-09-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in between moving homes due to my XXXX getting a new job. I notified pennymac that I was going to make a double payment in XXXX and not pay anything in XXXX My XXXX  is a co-signer on the house and he was not informed on this decision. I had no understanding that it would affect my credit score negatively. Once my XXXX  found out it was too late for him to pay it. They made no effort to reach out to him and notify him before it was considered a month late. My XXXX and I tried to talk with them and get a courtesy and forgive it but they said they don't do those even though we have a very good record and relationship with them. We found this very wrong and highly unprofessional on their part and we are trying to find a way to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
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:
This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions Inc.
State: SC
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:
In XX/XX/2020 I had 2 inquires reported. I reported fraud about these inquires I didn't apply for credit. Experian score before the inquires placed on the credit report was XXXX. After the inquires placed the score went down XXXX. I called Experian and disputed the inquires. They deleted the inquires and my score still XXXX. I called them to inquire and they had nothing to say.

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 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX/XXXX/XX/XX/XXXX & XX/XX/XXXX XXXX ( XXXX XXXX XXXX made an inquiry of my credit file with Transunion without my concent

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: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear CFPB, I want to report that Hunt and Henriques Attorneys at Law have failed to respond to my debt validation and verification of claim letter dated XX/XX/XXXX and to the CFPB Complaint I filed on XX/XX/XXXX Case # XXXX. 


Attached you will find a copy of my demand letter for validation of debt and verification of claim and sworn affidavit under penalty of perjury by an agent with authority and first hand knowledge to authenticate their claim. 

As of today, Hunt and Henriques Attorneys at Law have not responded to my demand letter according to consumer protection rights under FDCPA, CFPB, FTC and XXXX-FDCPA. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disagree with the original response Re : Case # : XXXX, re disputed with no response, how can one statement showing XXXX min payment of {$1900.00} owed validate an account that is against me. I have rights to, where is the initial contract, the validation of when the last payment was made on this account etc. I do not agree with this copy of one statement in court can validate an account. If fraud happen and you provided one statement this does n't help any of the parties. Your response I do not agree with and your company has failed to provide me validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is now my 5 attempt in regards to this company. My prior request was to have the orginal balance being reported and it be removed as this company is not aviding by the fdpca nor the fcra regulations. This item has been reporting on my reports since XXXX and all these years there has not been a single penny added to the amount until XXXX. I have disputed this item on my credit reports multiple times request a indepth summary as to why it is on there and the balance being reported to show me proof that this balance is correct when it is NOT! The paper work this company is sending me does not show me by law they are allowed to add interest 6 1/2 years later almost 7 years later. The documents provided only show that XXXX states the conduct un eithical business with they are allowed to pursue increase balances. Also balances can not be adjusted by law when the account hits collections and has been in collections for the time lengeth it has been. This company has called my work which is against the law, they have harrased me, and have provided me with documentation showing they stated this is reporting as a judgment on my reports. I have requested to have this item removed! I got a generic response from my previous complaint and nothing from my others.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, 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:
I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them Hard copies which I did but they never received them of course, nor did Equifax. It is an XXXX XXXX XXXX from XXXX of XXXX, I have called XXXX XXXX 3 times and they can not even find It in their system, but all 3 bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took 30 minutes 2 verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXX XXXX, 5 times XXXX response 3-time disputing XXXX XXXX : Our reinvestigation of the dispute ( s ) and/or another request ( s ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only 2 inquiries on XXXX XXXX  XXXX on XX/XX/XXXX and XXXX XXXX XXXXl on XX/XX/XXXX so Please tell Equifax and XXXX to take all those 27 other inquiries off of my XXXX report since they will not help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
XXXX accounts ending in xxxx and xxxx, have incorrectly listed dates of when they became past due. Due to the failure of the University XXXX Vermont, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX XXXX a representative of the University XXXX Vermont, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in xxxx was XXXX/XXXX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XXXX/XXXX/XXXX reported to the consumer agencies. XXXX establishes that the date of XXXX/XXXX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in xxxx XXXX establishes that as the guarantor of the loan the University XXXX Vermont purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XXXX/XXXX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX/XXXX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XXXX XXXX, XXXX years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.

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