BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Experian Information Solutions 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 sent the following letter to Experian. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of Birth : XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma

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 2015-09-25
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I requested a good faith estimate from a lender when I was looking into buying a home. The GFE was provided to me. Everything is moving towards closing and I am now 5 days away. The lender now sent me the quote of my actual monthly payment which is over {$300.00} higher than the GFE that he provided. He said he made a mistake on the property taxes. I pointed out the huge discrepancy in what he quoted and the actual cost and the best he could do was give me an apology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I pulled my XXXX credit report and found XXXX hard inquiries on it that are affecting my score which were NOT authorized. Both inquiries are from GC Services and show business type as " other collection agencies ''. XXXX inquiry is from XXXX XXXX, 2014 and the other is from XXXX XXXX, 2014. I did not apply for any credit through GC Services and did not authorize this. As a collection agency, a soft pull would have been appropriate which would not affect my credit score. I had no further dealings with this collection agency. I request that these hard inquiries be immediately removed from my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-27
Company: U.S. BANCORP
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I asked for information about my account showing several debit cards that were issued on the account. U.S. Bank claims they can not tell me who 's names were on the cards with a joint account between my wife and I. I had XXXX she had XXXX. 

why so many and were they in my name or hers?

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 2022-02-22
Company: Experian Information Solutions Inc.
State: AZ
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 list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Experian Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX Inquiries XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I sent a credit reporting dispute to Experian, XXXX, and XXXX Credit Bureaus on XXXX XX/XX/2022, requesting that three accounts listed on my credit report as XXXX XXXXXXXX, XXXX, and XXXX XXXX be verified by requesting the companies provide a copy of the original signed contract between the debtor and myself, as well as pay disclosures, interest rate disclosures, balance histories, and payment histories of each of these said accounts. I requested these documents be provided via mail because I know they do NOT exist. I previously submitted a dispute asking each credit bureau to research these accounts for possible fraudulent activity and got the same response from each bureau that accounts have been verified. I believe that the bureaus are NOT thoroughly investigating my claims and requesting the proper documentation to validate debts but instead unlawfully not complying. I have attached the certified letter that was forwarded to all three major credit bureaus on XXXX XX/XX/2022 and am requesting that they request and obtain all proper documentation from debtors and accurately investigate my dispute which will determine that I have no signed contract with any of the debtors listed above.

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 2020-09-26
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
On XXXX of 2020, contacted LVNV Funding about a collection they have posted to my account in the amount of {$870.00}. Upon further research this account was transfered/ sold and I am no longer responsible for this account Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signiture for this accused debt at all. A bill without a a signture does not validate the debt and body can send a bill and say that it is mines. Accroding to the FCRA ( Fair Credit Reporting Act ) LVNV FUNDING has violated my right as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company is reporting me to credit burros with out letting me know of the supposed debt I never received notification or authorize any of this charges believe if I knew it was gon na be XXXX dollars I wouldn't allow it second I never authorize for the debt to be sold to them to my knowledge is ilegal

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
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 sent the following letter to XXXX. My credit score was XXXX, after their investigation my credit score was dropped to XXXX. There have been no changes to my report. 

XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX   XXXX. XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Date of XXXX : XXXX 3. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The following personal information is incorrect Name : XXXX XXXX XXXX 5. The following personal information is incorrect Date of Birth : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this ma

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: ORG GC GP Buyer, LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
A lady name XXXX XXXX from GC Services keeps harassing me and my family about my Federal Student Loans even though I told her that I have already went through the Obama Program to consolidate my loans and they should be paid off soon by the consolidation program that I went through. She keeps calling my cell phone and home phone everyday trying to make me consolidate my federal loans with her and her company when I have already consolidated with another company. It 's to a point I ended up blocking the number that she calls from. Then once she figured out that I blocked her, she went and looked up my niece information who has nothing to do with my loans and she is not even a co-signer on my loans either and she called her cell phone asking does she know me, does she have any contact information for me. My niece told her, '' Yes, I do know her and no I am not giving out her information. '' When my niece told me that, I was very angry that XXXX XXXX started harassing my niece.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Companies are put in falsified information on my credit report and it is destroying my credit score also school loans that is on my credit report that does not belong to me I have tried to dispute the several times and also fraudulent items I have disputed on my credit report that dont belong to me also my report is being used on a XXXX webpage that I have no knowledge of I also have disputed that and its still not getting nowhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: AZ
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 list of information and inquiries was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Inquiry XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED SO MUCH STRESS AND HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW THESE NEGATIVE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. ITS CLEAR THAT FRAUD PLAYS A VERY IMPORTANT ROLL IN THIS MATTER. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2016-10-12
Company: Eagle Accounts Group, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
At one point I did have an account at XXXX XXXX XXXX, but I completed and submitted the correct paperwork to close the membership. At that time, my account was up to date. I should have no charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Braviant Holdings, LLC
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have never applied for a loan. I never opted in to receiving prescreen offers from this company its affiliates or any other company/agency. I have had a credit freeze in place since prior to 2019. Receiving any solicitation in any form or via any venue was not authorized and needs to stop forever and not restart. I have reported this error to no avail. XXXX XXXX & XXXX. 

It is fraud and a violation of my privacy receiving the solicitation in the first place. It is an egregious error requesting more information to stop sending the unwarranted solicitation. That is completely unacceptable. 

request to stop are documented since 2019. Balance credit has not honored the opt out in any venue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Mid-Michigan Collection Bureau
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company has marked that my account went to collections. However I paid the medical office directly, therefore the collection agency has no right to collect nor do they have a right to place a negative mark on my credit. Additionally, they have violated my rights under HIPPA by accessing my medical information to determine when I saw the physician in question and what was done for my care.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/2017 I received an alert on my credit report that a collection account had been added to my credit reports. I logged into my account to see what the account was. I noticed that Allied Collection Services had placed a collection on my credit reports. I sent a certified letter to Allied Collection Services on XX/XX/2017 for which they signed for on XX/XX/2017. 

In the letter, I requested that Allied send me validation of debt with proof bearing my signature not " verification of debt, '' anyone can look at a computer screen and see a name and say a debt is verified. I would like a copy of my written signature. I received a letter from Allied Collection Services on XX/XX/2017 providing me documents stating that they verified the debt to be mine, however nowhere on the document has my signature. On the document there is an address that I do not recognize as well as I could not locate my bank information. I have banked with XXXX for many years and this has been my sole bank because of my military affiliation. 

In addition, I should not have been made aware of this debt via my credit report. It is the responsibility of the Collection Agency per the FCRA to contact me in writing 30 days prior to placing this account on my credit report and give me a chance to validate or dispute the debt. I was not given this chance and in turn this debt has hurt my credit score, as I have no collection accounts on my credit report. This account being added dropped my score over 40 points. I am very upset by this and would like this rectified immediately. 

I will be seeking damages as outlined in my letter to Allied Collection Services on XX/XX/2017 if this is not fixed 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 non-monetary relief
Consumer complaint received 2016-10-26
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receivable Management Services has been repeatedly calling from different numbers from across the country, sometimes several times a day. This has been going on for months. I 'm currently looking for a job and need to answer phone calls in case they are businesses interesting in employing me. I 'm spending far too much time talking to these people about collecting an inordinate amount of medical debt on a daily basis. This is greatly impeding my ability to procure work and is negatively impacting my mental and emotional well-being.

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 2015-04-10
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I bought a car from drive time XX/XX/XXXX. Paid really good till about XX/XX/XXXX I told them I could n't afford it and would like them to pick it up. I talked to them several times and always wanted me to keep it and they would work it out. I stopped taking there calls and they would email me to contact them I would always reply please just pick it up. I would have dropped it off but I could n't get it to start. They finally picked it up last week. The whole time I had the van I saw nothing on my credit report. Till the day after they picked it up ( I kept it insured the I entire time ). I was looking on line and saw the last suit they just settled. I do n't know if Texas was included and I did not read all of it. But from what I read they are still doing the same thing

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, I am a victim of wire fraud through chase business and seeking any type of assistance and help with my claim as chase has denied my case and this wire fraud caused a lost of {$20000.00} USD from my business account and depend on this money to continue operating my XXXX as I've already been struggling through this pandemic and that money was from a sba loan that I've just received. I do not know what else to do at this point as I've tried a whole month of back and forth with chase and even escalated this claim to their executive office and was only told that it was denied. 
I wish to again stated clearly that I did not authorize this wire transfer transaction but it seem that chase is not doing anything to help me with this claim and is only trying to avoid it. I am literally begging everyone at chase to please give me back my money because my XXXX will collapse and I can not take this lost, especially during this pandemic. I've even wrote a email to the CEO of Chase bank Mr. XXXX XXXX in hope and prays that he will shine some lights and overturn this decision. I've been very patience as their claim department had me waiting since XXXX2020. The claim with chase was filed within 2hours of finding out I was hacked into my business account. If someone can please help me with this claim, my number is XXXX or email is XXXX Thank you kindly, XXXX XXXX

Company response to consumer: Closed with explanation