BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Amerihomes listed on my credit report that I had 30 days late marks on their account XXXX, XXXX, XXXX XXXX and XXXX of 2020. Previously they said that I miss a payment in XXXX of 2020. I showed them proof of payment and had correspondence with their loan administration department to resolve the issue. A department person said that while we were trying to resolve where the missing payment came from, they gave me a 'Rolling 30 ' which means that even though I continued to make my payments on time, they were reporting that I was 30 days late and putting those marks on my credit report. 

This is an extremely unfair practice because I assumed that we were trying to resolve the issue together and Amerihomes was going behind my back and reporting negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Self Financial 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: Account status incorrect

Complaint:
The company called XXXX XXXX XXXX, a XXXX XXXX entity, marketed a credit builder installment loan to improve my credit. I paid all payments on time and it shows up on my credit as not paid in full with a balance. They also encouraged consumers to get a credit card in connection to this account. When I completed the 12 month program, they closed my accounts. This hurt my credit in two ways : ( 1 ) Closed account status and ( 2 ) incomplete installment payments. I intend on filing a civil complaint against them if not corrected immediately. 

SELF engages in deceptive and unfair credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
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:
I requested internet services from XXXX on XXXX XXXX, XXXX. The technician scheduled to set up the internet services at my residence never showed up during his scheduled window of time, nor did anyone call to reschedule. I never received the hardware that was part of my internet services requested because the technician never came. A bill was received dated XXXX XXXX totaling {$110.00}, I did not pay this bill because I did not receive the internet services. I called XXXX to explain the situation and close the account, as services had not been rendered. I explained that I would not be paying the bill dated XXXX XXXX and wanted to close my account. The person I was speaking to could not cancel my account themselves, apparently, so they transferred me to the account cancellation department. As soon as I was connected to a representative in the account cancellation department, I was hung up on. For personal reasons, I moved out of the residence I requested internet services for during the first week of XXXX XXXX. I received a bill dated XXXX XXXX totaling {$190.00} and called XXXX again to officially cancel the account, as my first conversation with them did not result in cancellation. The account was officially cancelled with XXXX over the phone on XXXX XXXX, XXXX with the balance owed being {$0.00}, confirmation # XXXX ( I have a record of one version of the cancellation confirmation number being # XXXX ). I received another bill dated XXXX XXXX totaling {$190.00}. I called XXXX Customer Service again to confirm the cancellation and that no amount was owed. I received yet another bill dated XXXX XXXX totaling {$300.00}. This time, I determined that calling representatives was not effectively clearing the account balance and stopping the bills from being sent. I wrote a letter dated XXXX XXXX ( photo attached as a file to this complaint ) confirming the sequence of events, my account number, and my cancellation confirmation number. I detached the portion of the bill you are supposed to include with your mailed payment, included it with the letter I wrote, and mailed both to XXXX. I received a letter from I.C. System, Inc., a debt collecting agency, dated XXXX XXXX, XXXX requesting that I remit payment for the amount of {$300.00} with XXXX being the creditor. I will send a letter on XXXX XXXX, XXXX to I.C. System, Inc. to request verification of the debt and that they contact me no further, outside of debt verification, while I dispute the debt. I am submitting this complaint today ( XXXX XXXX, XXXX ) in an effort to get all parties at XXXX on the same page, so that I no longer have this " debt '' for services not rendered.

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 2017-06-30
Company: Brown and Joseph, Ltd
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
As brief background, I was XXXX with XXXX XXXX last year and, as a result, I have XXXX XXXX XXXX. I took my first XXXX in XXXX and returned to work sometime in XXXX. In XXXX or XXXX, XXXX claimed it apparently overpaid me ( I did not verify this claim ). As I was scheduled for a XXXX of XXXX XXXX in early XXXX, when I received notice of this, I contacted XXXX and agreed with a XXXX representative that it would simply withhold from my subsequent XXXX claim. When I received the " Final Notice '' of the overpayment just before my XXXX as well as a call from Brown & Josesph Ltd ( collections attorney ; https : //brownandjoseph.com ), I rang  XXXX and a representative told me that any payment under the new claim could not be used to offset the prior claim. As a result, I submitted payment to the collections attorney on XXXX XXXX. Today, I received my first XXXX payment from XXXX for the recent XXXX and XXXX withheldin full and perhaps even withheld more than is necessarythe amount it claimed to have previously overpaid me. XXXX claims this check was mailed on XXXX XXXX, well after I paid the debt to Brown and Joseph. <P/>The amount is also not insignificant as XXXX appears to have withheld {$3500.00}. This is in addition to the {$2300.00} I paid to Brown and Joseph. In short, it seems I have paid XXXX {$5800.00} for a net overpayment of {$2300.00}. <P/>Also, while not insignificant, my XXXX has presented several challenges and this is the absolute last thing I need. I was horrified to be sent to a collections attorney, which was after multiple XXXX representatives verified the amount could simply be withheld from my XXXX XXXX claim. Now for XXXX to withhold additional sums is just upsetting. <P/>Please contact me to discuss further. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
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: Their investigation did not fix an error on your report

Complaint:
Dear CFPB, I have sent in countless letters to Experian, TransUnion, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, TransUnion, and XXXX please delete the account before I seek litigation.

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 2017-10-23
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PSC collection put ex wife med bills on my credit report. my ex lives in XXXX and is a XXXX XXXX. she has med insurance these bills never went thru any insurance..and she said there not her bills. from a wa state hosp. collection gave me her bills and med info.which is violation of HPPA act. bills and exwife name no proof of validation. XXXX 6 med bills.. and while been complaining to them and BBB. they sent me a bill I owed them XXXX for a ticket bill i paid and have receipt for they added XXXX in interest to it..SO med bills are fraud. plus there not in my name. Its consumer report. Not a report that is for how you moniter others because if they dont pay there debts.a collection agency who has power will ruin your credit report and there is nothing credit bueros will do. They will ask the fraud agency they will say YES of coarse its valid then case closed..SO Now your screwed

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 2017-10-23
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I had paid for the highest level product from Equifax for the protection of my identity and the most updates of my credit report. In the end I had paid hundreds and yet I have been informed I am compromised again. I find this very XXXX, I once dreamed of owning a home, now I will be lucky if a bank will issue me a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Bankruptcy reported on Equifax and XXXX credit report. I disputed the entries directly with each credit reporting agency. The credit bureau responded that the information was verified by XXXX XXXX, XX/XX/XXXX. However, I contacted XXXX XXXX and was advised that my file has been frozen since XX/XX/XXXX and no information has been verified. I also contacted US Bankruptcy Court and was notified that they do not do provide information to third parties. Therefore, I conclude that the response provided to me by the credit reporting agency has not been verified and is an automatic response. I have spoken with personnel at the US Bankruptcy Court and XXXX XXXX to confirm the accuracy of my conclusion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: MD
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:
The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION.

I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not recieved a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accountS be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
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, XXXX XXXX, am a consumer, a natural person. I am demanding notice the CRA 's and the following companies broke the law. 

1. I have been denied credit for a home twice ; because of this my family may be homeless since you refused to remove these items from my credit report.

2. Your are reporting falsely to my credit report that I have been late from the following companies - XXXX XXXX XXXXXXXX XXXX and XXXX, XXXX is reporting me late and there are no such thing as late payments on open ended credit plans. 

3. You have failed to remove these accounts after my previous attempts of communication with your company after my right to privacy ( 15 USC Code 6802 ) has been violated and you have no proof or validation that I was late on any payments. You have also participated in unfair practices by being one sided with the companies and not the consumer.

You have violated my right to privacy and defamation of character by providing me with deceptive forms and reporting negatively to my credit report. I have disputed this account before and nothing was done about it. The company XXXX XXXX, XXXX ( Acct # XXXX sold the debt to XXXX and XXXX and you are falsely reporting this on my credit report since this account has been charged off and there is still an balance on my report. 

I have attached the following files for your review pertaining to this compaint showing that I have been denied for credit for a home through XXXX XXXX XXXX. Also I have attached XXXX still being on my credit report after they charged it off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my consumer and I recognized that i had unauthorized inquiries and then I reached out to the credit reporting agencies that was reporting the inaccurate information I then proceeded to contact them about the inaccuracies but they refused to remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 4 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

1. This account resulted due to identity theft. 
XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!

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 2021-07-21
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:
Dear CFPB, I have sent in countless letters to XXXX, XXXX, and Equifax, neither Consumer reporting agency has removed the XXXX Bank account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. XXXX, XXXX, and Equifax please delete the account before I seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is my third complaint. Bank of America keeps shutting down my debit card at very inconvenient times. the only email I have received on this issue so far claimed I was making very unusual purchases. The most devastating they did was shut down my card when I attempted to use XXXX to get home from work at midnight. I 'm getting increasingly angry at them because they keep thinking they 're not even going to email me letting me know they 've done such a thing. I am making these transactions in good faith and I do n't know what right they think they have to take away my banking ability especially when I 'm relying on online Commerce to get a ride home. I try to call them and they tell me their office is closed. They need punishment if they think they can stop me from banking when I have funds but they do n't have to be available to fix the issue they have caused. They 're forcing me to carry an uncomfortable amount of cash when I 'm supposed to be able to trust them with my money.

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 2022-05-02
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 they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
THE FOLLOWING ARE UNAUTHORIZED HARD PULLS AND MUST BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: NY
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 report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Avantus, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
These are the Inquiries that I don't have permission and knowledge of. 

XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  AVANTUS - XX/XX/XXXX XXXX  AVANTUS LLC Mortgage Reporters XX/XX/XXXX XXXX AVANTUS , LLC Miscellaneous XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  and XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  XXXX  XXXX   XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX NA XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX   XXXX Credit Card - XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation