BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Around 2021, I disputed the negative information LVNV Funding LLC in the amount of {$1000.00} falsely reported. I also went to court involving this matter and to have this information remove from my credit report. The judge ruled in my favor and the information was deleted. Now this information reported again. This collection agency is reporting debt that doesn't belong to me. I never had any obligation to this collection agency, nor have I conducted any business with them. This information is taunting my credit report. Please have this information removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
Theres things on my credit report thats over 90 days old

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 2023-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 accordence 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 explanation
Consumer complaint received 2022-09-21
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a phone call from a debt collection agency about a property that I owed money on in XXXX XXXXXXXX XXXX I live in XXXXXXXX XXXX XXXX, and have never even been to XXXX XXXX XXXX. The Collection Agency is called COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I suspect that this is Identity Theft as I have never been to this property nor authorized a purchase of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 explanation
Consumer complaint received 2023-04-04
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket mortgage scammed me out of {$500.00} dollars told me twice I was approved for HELOC and said I had to pay {$500.00} to get the Loan started and then denied my loan after they charged my card {$500.00}. I saw the Exact same complaint filed with the XXXX from another customer who Rocket Mortgage resolved but wont resolve my dispute. This is a personal attack.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Westlake Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/, I sent a money order in the amount of {$230.00} ( for my car payment due on XX/XX/XXXX, ) to WESTLAKE FINANCIAL. They inform me they did not receive payment. 

I had the money order traced by XXXXThey inform me the money order was cashed by WESTLAKE Financial & they sent me copies showing proof.

I did contact the company by emails & phone calls with the findings, but the representatives responses were, We do not see the money order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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 not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: AL
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:
Equifax is reporting the following student loan accounts on my credit report as both open and closed accounts. Account Name : XXXX XXXX XXXX XXXX - Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The account numbers are the same. How can the same accounts be open and closed? This is an obvious inacuracy. Law states that everything reported has to be XXXX XXXX accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: Grant & Weber
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting Act GRANT & WEBER INC, 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 explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
30 days late payment is incorrect please update payment was not established with account holder. I XXXX XXXX XXXX XXXX AUTO/FIXED RATE XXXX Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXX, 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 explanation
Consumer complaint received 2023-12-02
Company: TrueAccord Corp.
State: TN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
The information supplied is incorrect. No debt is owed. That was not my account number. My account number was XXXX I have not had XXXX XXXX XXXX  since XXXX. I moved and their service was not avail at my new location. I told them this prior to moving and they confirmed I owed nothing else. In spite of that XXXX XXXX XXXX continued to bill and tthreaten legal action and after 2 years of arguing with their staff. They saw sense and XXXX out account. Fast forward 5 years from that point and they actually owed ME money that was refunded in XX/XX/XXXX. How do I owe them {$45.00} when they refunded me {$170.00}?!? 
They dont even have the address correct. The address they listed isnt even where I had original creditors service. That is just the last address they obtained from some other means because I havent even lived at THAT address for XXXX years. 
I will be attaching with this complaint the equipment return instructions from XXXX showing the account number, and the refund information from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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: Their investigation did not fix an error on your report

Complaint:
REF XXXX - XXXX, XXXX AND EXPERIAN DID NOT FIX THE REPORTING OF ACCOUNT ( XXXX XXXX XXXX XXXX XXXX MULTIPLE ATTEMPTS I HAVE SUBMITTED OVER A 12-MONTH PERIOD AND THE ACCOUNT IS STILL INCORRECTLY REPORTING. 

THIS IS AN FCRA VIOLATION, THE ACCOUNT MUST BE REMOVED. 

PAYMENT HISTORY VERSUS WHEN THE ACCOUNT WAS OPEN. SHOWS NO PAYMENTS BEING MADE. THE DELINQUENCY DATES ARE ALSO INCORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: WI
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 Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXXXXXX 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 explanation
Consumer complaint received 2023-12-14
Company: Neighborhood Capital Funding, Inc.
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
What happen was I lost my job maybe XXXX  months or so but I been paying mortgage since maybe XXXX  mom and brother was living with me both passed so now I'm in a hardship and need help

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: ALTERRA GROUP, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being transferred from Panorama Mortgage Group to XXXX XXXX  XXXX. The process started in XX/XX/XXXX, and that is where everything started going wrong. I noticed on XX/XX/XXXX that Panorama was backing all the payments I had made up till that point out of the system and only re-entering the payment amounts, not the extra principal that I had paid. I called immediately and was assured that everything was being done correctly as they were transferring everything over to XXXX and that I would see it on that platform once I was set up ( I've not seen it as of yet ). 


Loan was transferred in XX/XX/XXXX, well was supposed to be, but nothing transferred over right, XXXX could see my name but no loan information and Panorama was telling me that they no longer had the loan. I was in limbo and the had no account to make my payments to. I believe it was XX/XX/XXXX that XXXX transferred my loan back to Panorama for them to get everything straightened out and it was later transferred back to XXXX in XX/XX/XXXX. While it was back with Panorama, I was able to pay the two payments that were due on my account, but they were put in suspension and not applied to the loan. 

My loan is now with XXXX, but the escrow that I had paid up until XX/XX/XXXX ( {$1800.00} ), is lost and no one has been able to locate it. I've been talking back and forth with both of these companies since back in XX/XX/XXXX trying to get this all fixed, I am tired and mentally exhausted at this point from being told that someone will call me back within 24 hours to never hearing from anyone and having to call back again and go through the whole scenario again with a different agent and one again being told that they will call me back within 24 hours. I have spent countless hours on the phone trying to fix this and just want it FIXED PLEASE. 

I had to pay my own taxes for last year because even though I had paid my payments and they had my escrow money to pay my taxes, THEY DIDN'T! I was charged late fees due to Panorama 's negligence and shouldn't have had to pay those out of my pocket instead of them paying them from my escrow. 

I am beyond upset, tired and frustrated with this whole mess, it has been 6 months for heavens sake. If I was 6 months behind on my payments I would be in forclosure, there would be no understanding. I know this because when I call in and the first person I get to talk to is rude to me because they see on the screen my payment hadn't been paid and don't know the story or take the time to see that I indeed have paid my payment and is the negligence on the company they work fors part not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, IL, IL XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022.

Company response to consumer: In progress
Consumer complaint received 2023-05-11
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2022, my savings Account XXXX XXXXXXXX was either frozen or closed I dont know. everytime I celled regarding my XXXX account no one knows anything either what to said. Everyday I called different people says different things even has telling me go to a branch and your XXXX account money will be given to you which its a lie all this situation had me with depression, anxiety and mental breakdown and drainage. I XXXX my job, because of this and since all this Ive has been visiting a XXXX XXXX is not a joke. Whats the problem with Truist bank staying with people money just like that, money I made by working and part of my unemployment. I need and want access to my XXXX account before I put a lawyer on this matter. This isnt right playing with the savings of people just like that.

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