BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: CT
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:
Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify. 

Thank you

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 2023-01-22
Company: OLD NATIONAL BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been trying to get the balance on my checking account for years now and the bank claims it was closed in XXXX of 2009 when I used it after that in XXXX to pay my bursar account at IU. I also gave them a film script I wrote that was made years later and would like my XXXX dollars for it. Along with my investments and earnings from 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
Consumer complaint received 2023-01-16
Company: EQUIFAX, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Seattle Service Bureau, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been frozen, and I am no longer able to purchase or return items. My account was frozen because National Service Bureau incorrectly connected this debt to my name and my account. 

The debt is my ex-wifes, and the debt was incurred XXXX XXXX XXXX XXXX XXXX was finalised. We have never shared a XXXX XXXX, and this purchase and debt did not occur on my account or in my name. 

I have attempted to contact the company to resolve this, because they are damaging my credit and putting financial strain on myself by now making it impossible for me to shop at XXXX. 

They cant legally harass me for someone elses debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Experian Information Solutions Inc.
State: OH
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 sent a complaint asking Experian, XXXX, and XXXX to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have XXXX  days to investigate and send me results. 

And they also didn't even record the current status of the disputed information which is another violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: The CMI Group, Inc.
State: LA
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:
I filed a dispute with the credit bureaus for inaccurate information on my credit report and they investigated it and it was deleted from my credit report for several months.And then it came back with a different reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This complaint is not a duplicate complaint. 
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
Re : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this account from my credit report immediately! 
Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. 
PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself.

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 2023-06-14
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have alleged debt with hunter warfield. I had mailed them a letter and they returned it to me. now they are calling everyone in my family to threaten me. the letter was to verify the alleged debt failed to respond. I have the letter they sent back to me. they will not send me any information that I have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I noticed unauthorized credit inquired on my credit report. Someone had to applied for something in my name. 

Ive sent several disputes to remove the fraudulent hard inquiries. 

Due to fair credit reporting act, these unverified and unauthorized accounts are not related to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Omega RMS, LLC
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Omega RMS unlawfully reported an unauthorized account on my consumer report for {$18000.00} on XXXX I have not given Omega RMS written permission to put anything on my credit profile. Omega Rms have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against Omega Rms, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Atlanticus Services Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXXXXXX FORTIVA has furnished information on my consumer report without my consent. I do not have a account with FORTIVA. This account has since been charged off to collections to XXXX XXXX and I have not given FORTIVA permission to communicate with any third parties regarding my personal private information under the FCRA and FDCPA. I am demanding FORTIVA to pay for the violation of 15 USC 1692c. Payment to be made no later than 10 days from receipt of this notice. If this matter is not resolved I will take this matter to court and will include actual damages and request punitive damages determined by the court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: MI
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 fifth 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 items 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 alleged fraud or extortion. 

Here are the items that needed to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX MI XXXX XXXX XXXX Balance : {$6500.00} MI XXXX XXXX XXXX Balance : {$2600.00} MI XXXX XXXX XXXX Balance : {$730.00} MI XXXX XXXX XXXX Balance : {$0.00} 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 2023-06-14
Company: TENET HEALTHCARE CORPORATION
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX which is not clearly licensed in California and operates from Ohio is trying to collect a 2.7 % surcharge on a service at XXXX XXXX XXXX. I am assuming this debt is for my child since I personally have never been to XXXX XXXX XXXX and XXXX has been unable to prove that I have been -- just a bill in my name with my insurance ( XXXX XXXX XXXX XXXX XXXX ). In their statements they note that they accept assignment and that they have been paid {$140000.00} but that they absolutely need another {$38.00} on top of that, or they will continue harassing me and ruin my credit. Huge claims for a debt that I did not incur and for which they have already been paid {$1400.00} which is 97.3 % of what they claim is " owed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Had to close my account because there were always descrepcies and changes in account balances. Years 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 2023-01-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had multiple hardships including the death of my husband I submitted a completed application for loss mitigation in hope of got ta modification when i came out of forbearance in XX/XX/2021. I was sent an acknowledgment letter from XXXX XXXX XXXX they assured me they sent my file to underwriting but they never answered the application the next thing that happened was they sold the servicing rights to Rushmore loan management company and they wont even talk to me they have been seeking aggressively to take my home, I was approved XXXX from HAF but they wont discuss a settlement with me. They motioned for summery judgement and I am still awaiting an answer on the modification I am a two hurricane survivor i experienced job loss due to Covid 19 right after my husband and co borrower died. I am receiving XXXX XXXX XXXX XXXX and could afford the payment now but they dont want the money. They mis placed funds i paid in lost my escrow a lot of violations have occurred please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: LEXISNEXIS
State: IL
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 am a victim of aggravated identity theft. I ask that you RE-INVESTIGATE this matter and I demand to see proof with my signature on it that have on file for the account ( s ) listed. According to the FCRA, section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through physical verification of the original signed contract. Also, note that if the company has file a 1099c and is continuing any kind of collection activity as defined under 31 U.S. CODE 3711 ( e ) should be reported by the IRS for fraudulent financial gain. Also, note there is a bankruptcy reporting that was said to been verified by LEXISNEXIS and XXXX I reached out to the bankruptcy court and their response to my letter was The United States Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: EQUIFAX, 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:
XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NEW YORK XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX  XXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
As of 2021 XXXX or XXXX I was receiving child tax credits for pandemic funding for Americans in need and I've been not able to log into my account online or from one of the ATMs located at the bank and I have not been able to open my account since.

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 2023-01-22
Company: EQUIFAX, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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: Closed with explanation
Consumer complaint received 2023-01-22
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DATE OPEN XX/XX/2021 XXXX  {$5600.00} MIDLAND CREDIT MANAGEMENT has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. MIDLAND CREDIT MANAGEMENT has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

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 2023-06-14
Company: Dunlap Gardiner LLP
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have new and updated information regarding complaint number XXXX. Dunlap Gardiner provided false and misleading information alleging that complaints to the bureau are of the same manner. However, the complaints submitted detailed the facts of how Dunlap Gardiner has and continues to attempt to violate my rights as a consumer with its extortionate attempts to collect an alleged debt not owed. Dunlap Gardiner has also failed to provide the original instrument of indebtedness evidencing my wet ink signature or proof that this instrument exists upon numerous requests per previous complaints through the Bureau. Instead, Dunlap Gardiner abuses its authority as a debt collector by harassing me to coerce payment by making false statements, using false, misleading, and deceptive documents alleging that an agreement was made without providing proof of their alleged claims. A debt collector does not have the right to state that a consumer owes anything. In closing, law isnt about someones belief, opinion, or feeling, law is about what can be proven, and each complaint submitted is detailed proof of how my rights as a consumer was and continues to be violated by this debt collector. The purpose of the FDCPA is to eliminate such abusive, deceptive, and unfair debt collection practices in order to protect consumers from such abusive and predatory acts as displayed by Dunlap Gardiner and its client.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: Capio Partners, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is a debt collector and has put information about me on my consumer report. I have no affiliation with this company nor do I know who this company is. I have not given them any permission to use my information.

Company response to consumer: Closed with non-monetary relief