BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2022-11-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
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: Investigation took more than 30 days

Complaint:
I emailed Experian by certified mail twice in early XXXX, 2022 and twice in XXXX, 2022. THAT IS A TOTAL OF 4 TIMES EXPERIAN HAS FAILED TO RESPOND within 30 days. That is illegal and by law all false accounts must be removed. Experian DID NOT RESPOND TO ME 4 TIMES. See enclosures as evidence. 

XXXX XXXX  NOT MY ACCOUNT XXXX XXXX XXXX  NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX- NOT MY ACCOUNT EXPERIAN IS LYING WHEN THEY SAID THEY VERIFIED THINGS PREVIOUSLY BECAUSE I HAVE EVIDENCE, they don't have my proper name : XXXX XXXX ( no middle name ) and are calling me " XXXX XXXX ''. THEY DO NOT VERIFY ACCOUNTS. THEY LIE ABOUT IT. THEY DO NOT RESPOND IN 30 DAYS. By law these false accounts must be removed. 

They ignore me repeatedly which is illegal. THEY HAVE BROKEN THE LAW SEVERAL TIMES BY NOT RESPONDING. THIS FALSE ACCOUNTS HAVE TO GO!

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 2022-07-27
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : Why am I having so much difficulty having due diligence completed for a XXXX XXXX with Mr. Cooper? This has been an extremely poor customer experience. 

Without any success, for over a year, I have been trying to obtain straight answers from Mr. Cooper about opportunities to XXXX XXXX. 

As an example, on today, Monday, XX/XX/XXXX, I called into Mr. Cooper at XXXX around XXXX XXXX  EST. I gave the Representative all of my application information and he ran a hard credit inquiry on my credit report. There after he asked me several redundant questions and I answered, he proceeded to answer me again with the same redundant questions and then hung up on me without a call back. I called back into Mr. Cooper at XXXX and I was told that the Rep that I talked to has gone to break. I had to basically beg for this particular person to escalate the issue and have someone else call me back. I am reporting this issue, because its not the first time that this type of situation has occurred. It has occurred on at least two other occasions, which seem like a systemic issue. 

I need to have this situation resolved because this is multiple occasions whereas there has been hard pulls on my credit, which bring my credit rating down. And I still dont know the results of my credit application for a XXXX XXXX XXXX with Mr. Cooper XXXX 

Also, an issue occurred in XXXX with a XXXX application. I have included the email communications in this letter as reference. I complained about this issue on several occasions for months without any resolution. And still to this day, I lost money with this issue due to following the steps that Mr. Cooper advised and still did not attain a Refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: KY
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-04-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
JPMCB CARD has reported fake news on all my credit files : - XXXX - XXXX - XXXX My ID was stolen by a XXXX XXXX out of XXXX XXXX County, State of California per IRS CID investigator XXXX XXXX. 

I have notified JPMCB years ago and they continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 XXXX Bank # XXXX, XXXX XXXX, XXXX card # XXXX, XXXX XXXX # XXXX and 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 2022-06-21
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have Sent in Several Documents to Experian Explaining that this fraudulent debt DO NOT BELONG TO ME and provided them with evidence that this debt is not mines however they still decide to keep the fraudulent accounts on my credit file. which is a violation of my rights under the FRCA The account must be 100 % Accurate which it's not, 100 % Variable which it's not. an AUTOMATED or e-Oscar response is unacceptable so please do not send me a generic 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 2022-08-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had issues paying my bill with Comenity bank on my XXXX card for months. When you make a payment over the phone they never send anything to let you know the payment has fully gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was buying a car and the dealership kept running my credit after I told them run it 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 non-monetary relief
Consumer complaint received 2023-11-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
There is a debt collector by the name of LVNV Funding LLC that claims I have a debt they purchased I am responsible for, and they can not provide me with any information with the account. On XX/XX/XXXX, I received a letter from my employer stating that they received a wage order from a company called XXXX XXXX XXXX to garnish 15 % of my income on behalf of LVNV funding. I have never received any other notices prior to my employer informing me of what they have received. on XX/XX/XXXX, I reached out to LVNV to receive a proof of purchase agreement or more information on the account they claim I owe which does not belong to me and I did not receive a response or answer XXXX  phone. I was redirected to resurgent capital when I searched LVNV online to find any account information associated with my name. According to their database, they have no information for my alleged account and directed me to call for more information, upon calling resurgent after they hung up on me three times, they also stated they can not disclose any information to me, but I can begin sending payments. I explained that I filed a police report because there is no account that I have had with them, and they claimed they would be mailing me information for my request to close an account that does not exist, and I still have received nothing from them. I am expected to show up to court but I can not find any legit information from this debt collector that shows proof I am liable for an account dated back to XXXX that does not belong to me. I recently had another account removed for the same reason from LVNV funding in XXXX and now they are back on my credit report and garnishing my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. I also disputed with transunion because the amount shown with them is {$5600.00}. XXXX, XXXX XXXX XXXX XXXX never provided me with a physical copy of the validation. I DID receive a letter from XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX in response to my dispute which on their letter it states I owe {$5600.00} which again the amount is invalid due to other credit bureaus showing different amounts. XXXX XXXX XXXX XXXX XXXX XXXX did not validate through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report Account information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX Account # XXXX are all inconclusive and invalid. I would like the written validation of the contract and for a response in 15 days. 

This account does not belong to me. 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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable documentation. I demand to see verified Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
According to California repossession Law the lender has the right to sell your car at a public auction. They must give you a notice of intent that they are selling the car at least 15 days before the date of the sale. This notice must also be served within 60 days of repossession. Unfortunately GIC financial repossession car on XXXX XXXX and sale the car in action on XXXX XXXX with out any notice .absolutely is illegal as the California repossession Law they should wait for 60 days and give to customer notice 15 days before sale the car in action. 
This company responding few time just send the car information and how to sale the car absolutely doesnt work because GIC financial company doesnt follow the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: Spring Oaks Capital, LLC
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Spring Oaks Capital. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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: Personal information incorrect

Complaint:
Please update my credit report following the instructions in the attachment section. 
Passcode to the 1099 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 2022-04-23
Company: Experian Information Solutions Inc.
State: OK
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:
In accordance with the Fair Credit Reporting Act, Experian and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 

I want the following accounts deleted from my credit report immediately due to violation of my privacy : XXXX XXXX XXXX XXXX, VT 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 2022-06-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am requesting my Consumer Disclosure Report. I request to access my file to learn more about the personal information ChexSystems maintains about me in accordance with the Fair Credit Reporting Act. I am also requesting this file be EMAILED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Mailing address XXXX XXXX XXXX XXXX Pa XXXX Date of Birth XX/XX/1984

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 2022-06-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
as we all know all student loans is not to start the repayments until XXXX how Navient has placed late payment on my credit report in XXXX of XXXX also placed a late payment on my credit report in XXXX of XXXX for interests. I want them to stop harassing me about the payments that is not due yet. i need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
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, and 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 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 2022-08-19
Company: Experian Information Solutions Inc.
State: CA
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 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation