BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-04
Company: Southwest Recovery Services, 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: Account status incorrect

Complaint:
Negative information appeared on my credit reports. I checked into it and found that a collection agency named Southwest Recovery Service reported the negative information. XXXX XXXX  XXXX was the original creditor. I have never received any information on this delinquent account and when I called the collection agency, they made the issue even more confusing. I have now been informed that the debt relates to XXXX XXXX XXXX. This is my XXXX and I am responsible for the debts of this entity. However, my complaint is, why was I not informed of such a debt? why was I not given the opportunity to dispute it or pay it before it went to the credit agencies? I have requested a copy of the contract and all collections efforts made by Southwest or XXXX with no success. Under the fair debt collections act, I'm have certain rights and I need to verify this was not a fraud account before I pay it. Why are people so rude at Southwest when I am just trying to clarify an issue that affected my credit? 
I am requesting all documentation related to the debt in question, including the original contract with my signature where I agree to receive goods or services from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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: Information belongs to someone else

Complaint:
Since XXXX 2010, I have sent over twenty certified letters to both EXPERIAN and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EXPERIAN : a ) XXXX  Acct No. 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 2017-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since XXXX 2010, I have sent over twenty certified letters to both EQUIFAX and XXXXXXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EQUIFAX : a ) XXXX XXXX XXXX Acct No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2017-06-27
Company: Experian Information Solutions Inc.
State: WI
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for 7 day free trial upon logging in to cancel I could n't find anywhere to do so, I left a message on XXXX XXXX ( handles fraud claims ) on XX/XX/XXXX approx time XXXX XXXX On XX/XX/XXXX I received message from a XXXX tele # XXXX stating she was calling to make sure the 7 day free trial was canceled off my bank card could I please give a call back. XXXX. Upon calling back she verified who I was my SS # and e-mail and stated she could n't find anything under either SS # or e-mail I signed up for, only thing I signed up for was a FREE CREDIT REPORT every month ; so do n't worry nothing would be charged to my card. I later checked my credit report only to find Experian had put a Medical bill back on my account which violates HIPPA ACT and my score has dropped 50 points. I have voicemail presently and she was very misleading. Along with ; has my bank card or is it going to be charged? I Stated on the XX/XX/XXXX on XXXX vm I  wanted my service cancelled Do Not Charge My Card!!

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 2022-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
This company is reporting late payments and is still showing on my credit when account is paid 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 2022-09-04
Company: Experian Information Solutions Inc.
State: OK
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 asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-09-04
Company: EQUIFAX, INC.
State: OK
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 asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did a research myself and found inaccuracies on my credit report even after they said they did a full research. In Accordance with Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, all have violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company popped up on my credit report as a collection for a hospital and reporting under another company named XXXX which makes this company reporting on the same debt twice on my credit report. I want the debt to be validated because I never received of letter to validate that the debt is truly mines.

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 2022-09-04
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15USC 1681. XXXX XXXX XXXX IN, has violated my rights and ALLY FINANCIAL has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. Section 604 A section 2 : It also states a consumer report agency cannont 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 explanation
Consumer complaint received 2021-04-17
Company: EQUIFAX, INC.
State: OH
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:
I would request that the items be removed under the CFPB 's Supervision. Once done I would request a copy of my updated report reflecting the new changes. 

I Have disputed this account and it was closed because it was fraud for the amount of {$160.00}. The account was closed on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: NAVY FEDERAL CREDIT UNION
State: NV
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:
XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU Date opened XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Over the last several months I have made numerous efforts to get information corrected on my credit reports. I have contacted both the creditor and the credit bureaus and they have refused to property investigate, update, and send a method of verification to specifically tell me how the information was verified per my right and request. XXXX XXXX responded to my complaint as being actual and correct with the actual contract. In that contract it shows that the total amount of my payments were {$21000.00} but yet are reporting my high credit as different and a lower number to the credit bureaus. Additionally XXXX XXXX stated that they have consistently reported the same information to all 3 credit bureaus. Not only has XXXX XXXX been inconsistent in reporting my payment history correctly they have changed some positive some negative history between all 3 credit bureaus multiple times. The last payment on the XXXX account is reporting 30 days late. I had bought a new vehicle and the new bank XXXX paid off the account. It was my understanding that XXXX would have had the payment in before it was 30 days late and was not a fault of mine if is was received late. My payments had been on time as reported and I asked XXXX XXXX as a good faith effort to either not report that month or show as paid on time and they refused. The errors, inconsistency, failure to properly investigate, send me a specific method of verification as requested is not only hurting my credit, score, it is a direct willingness to violate my rights under FCRA. I have attached proof of my complaints for your review. I demand this be corrected at all 3credit bureaus within 15 days for the date of this complaint. Updated credit reports sent to my mailing address will be expected.

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 2022-09-04
Company: CREDIT ACCEPTANCE CORPORATION
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:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.

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 2022-09-04
Company: International Computer Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In response to your correspondence, YOU ARE IN VIOLATION OF 15 USC 1692c due to the fact that you did not receive written/verbal consent from me XXXX XXXX the consumer. 
Pursuant to 15 USC 1692g You did not VALIDATE the debt.

You are in VIOLATION of 15 USC 1692f ( 8 ) Your Logo is enclosed on the debt collection letter You Are in VIOLATION OF 15 USC 1692 due to violation of my privacy You are in VIOLATION of 15 USC 1692b ( 2 ) for stating that you are IN FACT A DEBT COLLECTOR You are also in VIOLATION OF 15 USC 1692e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted CACH and they told me they can do nothing. I contacted the attorney that is handling this XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!

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 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-04
Company: Experian Information Solutions Inc.
State: NJ
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, 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 explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: MA
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:
I moved from my last apartment on  XXXX   XXXX ,   XXXX  . I paid the bill we received in  XXXX  but nothing after that. However, I see that {$110.00} has been sent to collections and is a negative mark on my credit report. I called in  XXXX    XXXX   to close my account so I do n't know why I was ever charged for months that I did n't live in the apartment. I have a lease to prove that I was not in the apartment for the charges ( {$110.00} in  XXXX    XXXX   ).     I contacted  XXXX   XXXX  but they refused to do anything about it unless I could provide written proof that I contacted them to shut off my account in  XXXX    XXXX  . I did this over the phone so I have no  paper trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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: Investigation took more than 30 days

Complaint:
I submitted a dispute with equifax on XX/XX/XXXX. The dispute status says it will be completed by XX/XX/XXXX but to today 's date ( XX/XX/XXXX ) the dispute is still outstanding. Not only this but since my dispute was filed equifax has partially removed credit reporting and then placed it right back on my credit as a NEW delinquent account which caused a 40+ point invalid drop in my score. Fix this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received many, many letters from JPMorgan Chase offering refinance and decided to refinance with the office in XXXX Ohio. They said I easily qualified for a refinance due to the heated real estate market in my neighborhood. The refinance came down to an appraiser who filed an erroneous report that did n't even describe our home. We raised this with the bank which is in the process of refunding our fee. Below is  an email I had to send to kick off an appeal process. This bank wasted many, many hours of my time which I could have used working with a more competent company. Per our discussion we would like to formally appeal the appraisal which we believe, having consulted multiple realtors and licensed appraisers, is erroneous and not even close to reflecting home values in our neighborhood. The appraiser actually used 2 tear downs sold over 8 months ago ( even though there were multiple comparable sales to choose from in the last 6 months ) and one home she selected was n't even in our zipcode! For some odd reason, she used a pending sale on XXXX XXXX ( near her own house no less ) when there were 2 clearly more recent comparables on the same street that actually sold for XXXX and are closer to my house. Also based on the lack of questions she was asking I could tell she was either inexperienced or going to be very lazy with this appraisal. If you do n't believe me simply look at the details of the appraisal document where she has included " Functional depreciation for pool '' because she was copying and pasting from another appraisal. She even got the total number of rooms incorrect and did not include any of the energy efficient items I noted to her. I shared this with many of my realtor friends and not one of them can believe this is a licensed appraiser. We are all absolutely dumbfounded by this clearly incompetent assessment. We have had multiple offers on the property for XXXX XXXX and over ( 300K over appraisal ) especially since it is a corner lot, in a coveted neighborhood and boasts the best public school in XXXX This is tremendously shoddy work and Chase should  demand better results from its contractors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX Credit Reporting error I have contacted XXXX XXXX XXXX and have received the letter confirming that the account was closed and there are no issues. Please remove this from my credit file. XXXX XXXX Opened XXXX Reported XXXX Hi. Credit {$200.00} Credit Limit {$200.00} Thanks 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