BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: FISERV INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRS is attempting to collected a Debt that is not mine, I have attached my Identity Theft 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 2023-02-21
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2023, over 30 days ago but I still haven't gotten any update about the status as yet. I am aware that the CRAs are required by the FCRA to comply with consumer disputes and I learn from people online that I need to file a complaint to CFPB, XXXX, and the Office of the Atty General if do not I receive the correct response.

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 2022-12-08
Company: Experian Information Solutions Inc.
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XXXX Experian credit charged my XXXX XXXX card XXXX XXXX I didn't even know I had a account 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 monetary relief
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Upon looking at my credit report, I see an account that is past 7 years reporting statute on my Experian credit report. The account is under XXXX XXXX XXXX ( Account # XXXX ) and only reporting inaccurately on Experian. Please delete this outdated 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 2023-04-18
Company: Experian Information Solutions Inc.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THIS ACCOUNT. BLOCK AND REMOVE IT. 
XXXX XXXX Balance : {$0.00}

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 2023-04-18
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 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 explanation
Consumer complaint received 2023-04-18
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against MCM for their failure to properly verify a debt that they claim I owe. I have already requested verification of the debt in writing as per the Fair Debt Collection Practices Act, but MCM failed to provide me with the necessary documentation. 

I received a response from MCM, but the verification of the debt did not include a signed credit card agreement, which is required under the law to prove that the debt is valid and enforceable. Without a signed agreement, I have no way of knowing if this debt is legitimate. 

I have attempted to resolve this issue directly with Midland Credit Management ( XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX  ID : XXXX ), but they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-04-18
Company: Synovus Bank
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:
On XX/XX/XXXX and On XX/XX/XXXX I mailed a certified affidavit to XXXX XXXX and XXXX XXXX XXXX stating that I did not authorize or give consent for their company to share my personal information with any third party and that is identity theft. The company has failed to respond and the items is still on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of today, XX/XX/XXXX, I received a hand delivered letter from the company claiming that that have not spoken to me. However, the last call I received was on XX/XX/XXXX at XXXX XXXX I have received multiple Loss Mitigation Packages with " XXXX XXXX XXXX and address listed on the XXXX. Please see attached screenshots of the illegal occurrences that are happening to me and my loan. 


Please not that I am aware that the company will flag this complaint as another duplicate and not research this at all. Using for documentation purposes at this point.

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 2023-02-21
Company: Experian Information Solutions 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:
I am a victim of identity theft. This account XXXX XXXX is a fraudulent account. I previously disputed this fraudulent account and Experian found that XXXX XXXX is inaccurate, incomplete, and had unverifiable information as a result removed this account from my credit report on XX/XX/2023. XXXX days later on XX/XX/2023 Experian reinserted the fraudulent account XXXX XXXX XXXX XXXX Experian failed to comply with FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
Experian should immediately delete XXXX XXXX XXXX account from 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 supplied a paid in full letter from XXXX XXXX to all 3 credit reporting companies, all 3 came back and reported I still have a XXXX balance and will not correct my reports.. They continue to report late payments for XXXX, XXXX, XXXX Even though I paid balance off on XX/XX/2023 as shown in XXXX XXXX letter..

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 2023-04-18
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX XXXX XXXX, XXXX, MD XXXX XX/XX/XXXX Fay Servicing , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I bought a property at XXXX XXXX XXXX XXXX, XXXX, MD XXXX. 

Unfortunately, when I sold the property in XXXX of XXXX the mortgage servicer refused to provide an updated payoff statement after several attempts. Once it was received they added additional fees and threatened to foreclose on the property if I didn't pay the extra charges. 

I have no choice but to pay them to avoid additional damage to my lively hood however, I do not want this to go unnoticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XXXX I used my Care Credit Card by Synchrony bank to pay for dental procedure at XXXX XXXX XXXX. It was a XXXX  year XXXX interest offer on {$24000.00}. I set up ACH payments and it automatically took the amount required to pay the account off in the XXXX  years. That payment was around {$1000.00}. I NEVER designated a specific amount. All was fine, account paid off in XXXX  years. A year after that in XX/XX/XXXX, I had the remainder of the work done that was needed. Same place, XXXX XXXX XXXX, same credit card, Care Credit by Synchrony, same terms XXXX  years, XXXX interest, amount this time was {$22000.00}. ACH is still set up. In XXXX I received a statement showing that interest in the amount of XXXX had been applied to the account so that I now owe {$22000.00}. All along I thought the account should be paid off as of XX/XX/XXXX. I have called the company and they will not reverse any of the applied interest even though I have stated I will pay the account off immediately. They have advised that " This Time '' the ACH was only taking the minimum payment due each month. I understand that this is partially my fault for not checking my statements. I did not check them as I was under the impression that it was set up exactly the way they set it up the first time. I have spoken to an agent as well as XXXX separate account managers. I have asked to be transferred to their executive office or escalated complaints but they have refused. They did provide me with their corporate address. I am not one to shirk my debts. Since I had done this in the past I was under the assumption it would work exactly the same way which was a breeze. I feel that Synchrony Bank was incredibly deceptive in their practices this time. Again, I take responsibility for not checking and have learned a lesson. But, the fact that they charge 26 % interest is ridiculous and exorbitant to begin with and I would have NEVER charged this amount had I not been under the impression that it would work exactly the way it did the first time and I would not pay interest on it. I did not need to charge this but it sure makes life easier to pay it out monthly instead of having to withdraw from savings. I believe that Synchrony bank should waive the interest charged and allow me to pay the account off immediately due to their deceptive practice with this charge. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: Receivables Performance Management, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a notice form XXXX indicating they issued a recall in cooperation with the XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX XXXXt I owned. Additionally, I was told I would receive a replacement device free of charge. XXXX issues the replacement device but it was defective. I notified XXXX and was told I had to pay {$170.00} to receive another XXXX XXXX XXXX XXXX but would receive a full reimbursement credit to my XXXX account once I mailed the defective replacement device back to the XXXX XXXX in XXXX XXXXXXXX XXXX. I did this and never received the {$170.00} credit to my account. I made a {$79.00} ( confirmation # XXXX ) payment to XXXX for my bill and was told I did not owe XXXX anything by XXXX, customer service representative on XX/XX/2022. Additionally, I closed my account in XXXX 2022. I have been receiving bills that indicate that I owe {$200.00}. 26. After going to the XXXX XXXX XXXX  store to inquire about receiving a bill, I discovered my account had been sent to a third party collector, XXXX  Receivables Performance. I have not received any notice in writing that my account had been forwarded to a third part collector. Moreover, I spoke with XXXX XXXX who asked for my SSN. I am very unhappy with this situation. I do not want XXXX XXXX or anyone to have my XXXX. My account should not have been forwarded to XXXX Receivables Performance and should not have been sent as a collection to the 3 credit bureaus. I am not sure if XXXX Receivables Performance is licensed to do collections in 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 2023-04-18
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: Account status incorrect

Complaint:
Experian refuses to update four of my student loans with XXXX XXXX XXXX to reflect their accurate status and balances. The company performed an investigation into my dispute of their reporting for these accounts and completed the investigation stating that the account would be updated to reflect that theyre open/never late and with their proper balances. When I checked my credit report after receiving this report, Experian only updated one of the five accounts and left the remaining four accounts listed as closed with no balance. This erroneous reporting has significantly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and from acquire a home to rent for shelter.

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 2021-08-19
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, XXXX I had to call Innovative Recovery back due to the first 5 request not being fulfill. I was again transferred to XXXX. I mentioned that I received and email stating that Innovative Recovery received my complaints from the CFPB. I also mention that I have not received letter regarding my payment history or letter or deletion. XXXX gave an email : XXXX to received the documents. XXXX stated they may or may not fulfill my request. All I'm asking is for a letter a deletion and my payment history to a debt collecting. Why is that request questionable? I have the right to a receipt or some documentation of payment. 

Please see the original complaint below. Innovative Recovery sent me a bill on behalf of XXXX XXXX for XXXX. When I paid on line I was offered an about of XXXX which was paid on XX/XX/2021. I did not received an receipt via email, text or mail. XX/XX/XXXX I called Innovative Recovery because the my credit still shows Innovative Recovery as open and due for {$16.00}. I spoke with XXXX and transferred to XXXX who both stated my account was close. XX/XX/XXXX I spoke with manager XXXX who rudely stated your account is close, we don't control the credit reports and hung up. I sent a compliant to the XXXX  with a picture of the open delinquent account as proof it is not close. I never heard back form Innovative Recovery. The company continues to violate my FCRA rights. When I try to call back on XX/XX/XXXX XXXX stated ma'am we've already discussed this. I advise it have not been resolved. XXXX stated my account says paid and satisfied. Again I ask why are you all reporting that I owe XXXX if this is a record line as the call stated in the beginning please explain the XXXX. XXXX XXXX. I have attempted to call several time today and have been sent to messaging service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Verisk Analytics Inc
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have begun the process of working with the XXXXXXXX XXXX listed on your 2022 consumer credit reporting agencies list and publication. I am trying to work with XXXX XXXX by XXXX. I asked for 2 things from them. First, I asked for a report. They want me to literally fill out all of my personal information and email it to them before theyll provide me with a report. That seems preditorial and insecure and would put me at greater risk. I also asked them to put a freeze in place to not sell my data or allow others to query it to which they said that they don't have to comply with that part of the FCRA law. 

Can you help with next steps here? I dont feel like Im able to get anything with getting my report or putting a freeze in place.

Company response to consumer: Closed with explanation