BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX, I received a letter of deletion from SYNERPRISE CONSULTING SVS INC stating the account isn't mine, and my credit file will reflect that. 

XX/XX/XXXX, the debt is reported on my credit file. I have called countless times to speak with a representative, however, no one answer my question of why the account is on my credit since I don't owe. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. 

PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. 

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: FIRST HAWAIIAN, INC.
State: HI
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:
XX/XX/2020 - Paid off loan that matured after making payment arrangements to pay {$200.00} every two weeks with the Loan Recovery Department at First Hawaii Bank. I called to make arrangements with them when my loan hit the maturity date and my payments never faltered. 

Today ( XX/XX/2020 ), I was turned down from an auto loan because of this charge off. I called XXXX XXXX, Recovery Agent for First Hawaiian Bank, to ask why they have it reported as a charge off when it was paid in full. She stated that " First Hawaiian Bank reported the loan as a charge off because it was transferred from one department within the same institution to another department. I asked them if they could remove the charge off and she said that by law once the charge off is on, they are not allowed to remove it. I stated that the information is incorrectly being reported because I paid the entire amount of the loan and did not settle any of the amount. I even paid interest on it in which the bank charged me in order to make they arrangements. The information that they reported is incorrect. They agreed to take my payment arrangements and did not explain that they loan would be reported as a charge off even though I made the necessary payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
We moved on XX/XX/2015. Connecticut XXXX XXXX ( XXXX ) erroneously applied payments for the gas account of our new home to the gas account of our former home. In XX/XX/XXXX we received a bill that our account was past due despite our making payments in full. When I called XXXX to find out what was going on, they realized they applied our payments to our old house 's account, not to the new house 's account. XXXX reversed the late charges and applied the payments to our new home 's account, and we actually ended up with a credit on our new account. The XX/XX/2015 statement I shared with Experian shows payments in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a reversal of the late charges, and even a balance on our account as we overpaid the bill. Experian refuses to remove the 60 day late flag from my account, despite the fact that my payment was never late. XXXX received my payment on time, they just applied it to the wrong account. Attached is the XXXX statement showing a balance of {$17.00}, due XX/XX/2015. ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$120.00} balance, due XX/XX/2015 ( Paid XX/XX/2015 ). The XX/XX/2015 statement shows a {$160.00} balance ( Paid with credits from our old account ). When I called XXXX on XX/XX/2015, they realized they had applied our payments to the old account. The XX/XX/XXXX statement reflects payments of {$76.00} on XX/XX/2015, {$120.00} on XX/XX/2015 and {$34.00} on XX/XX/2015. Based on the payments applied to the wrong account, it is clear we made our payments on time, and the error lies with XXXX. Experian refuses to remove the 60 day late flag from my account, despite the evidence showing we were never late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have disputed with all XXXX CRA 's and have sent them 3 dispute letters asking them to send me the information and and documentation that they have or used in there file that they used to verify and account on my CR account being XXXX XXXX XXXX ( which is not my account ). As I 've stated I 've sent 3 dispute letters asking all XXXX bureaus XXXX, XXXX, and transunion asking for these docs and if they ca n't not show forth the documents on how they verified this account that they must remove this account off of my CR as it is causing me to look very negligence with my credit. I have still yet to receive any supporting documentation form any of the XXXX bureaus with this 3 letters that I have sent I just continue to receive verified or updated. This is in violation of my rights under the FCRA and I 'm filling this complaint in hopes of this being removed from my credit report being that I have continued effortlessly to pursue removal form my credit report within my rights under the FCRA as a consumer and I still have not gotten a valid response nor any documentation and I 'm hoping for that by me filing a complaint with the CFPB that a resolution of removal of this account can be granted due to the fact that I 've sent 3 letters without any resolution. Thank you in advance

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 2016-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 'm filing this complaint today because my request to Experian have been ignored. Since XXXX XXXX, I have submitted multiple requests to Experian to provide me with documents that they have on file that was used to authenticate and verify the account showing as negative on my Experian Report and I have not yet received the verification I requested. On XXXX XXXX, XXXX I sent a certified letter requesting Experian to supply the verification process, including the name of the person they spoke with. After not being supplied the information I requested, I again sent another letter on XXXX XXXX, XXXX. I did not receive the information requested from the XXXX XXXX letter either. In addition, I have sent a letter to XXXX XXXX XXXX and have n't received the information requested from them either. Under Section ( 5 ) ( A ) ( i ) of the FCRA - they are required to promptly delete all information which can not be verified with accuracy. Please help me resolve this matter and have this account removed from my Experian report 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 2022-08-16
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Att Sent a Debt to Sunrise Credit Services that was discharge in a XXXX XXXX Bankruptcy I sent the information over to Sunrise Credit Services and they refuse to remove the information from my credit report

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 2020-03-18
Company: Kriya Capital, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Have tried to reach out to collection company XX/XX/2020 involved was told even after debt had been collected and paid that they would NOT delete the but would only be able to make a statement saying that the matter is no longer an issue. Customer service rep said he would email me a letter stating this but no letter has been received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these inquiries to be pulled.

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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this information, This account clearly isn't mine. As requested, the company verified that the account was opened in a different name than mine. TransUnion has refused to remove this account from my credit report and XXXX as well. 

The company has stated the account was opened XX/XX/2017 which means the inquiry would have continued to report on my credit report for two years. I have included the list of inquiries and this account is not listed amongst the inquiries. 

If XXXX and TransUnion does not remove this unknown account from my credit report, along with the many other accounts that should not be on my credit report, I will forward my entire credit profile to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I have been disputing fraudulent credit reporting for OVER a year now with copies of every single violation. And MANY that are still wrongly reporting.

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 2022-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Pre approved with a 0 % interest, couldn't verify due to previous complaint with XXXX freeze, PUT XXXX inquiries on my account, would not even process a complaint, wanted me to do their job, Now that i have fixed XXXX say i have too many cards which were the exact same number I had when I applied. these people don't care, cause consumer harm and refuse to have someone call to discuss their issue on their end. 

Capital One for such a large company CFPB regulates doesnt give 2 XXXX  about consumer issues apparently. whats in my wallet, not capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2020-03-18
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I'm behind on my mortgage payments. I tried to make one payment. M & T Bank is refusing to take my payment. I tried to do it online. I could not do it because they blocked me from doing it. I tried to do it using the pay by phone feature. I could not do it because M & T bank blocked me too. I called M & T Bank and the representative refused to take my payment. Please help! M & T Bank is purposely refusing to take my payment so that they can take my house. PLEASE HELP!

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXXXXXX XXXX Balance : {$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 2017-05-26
Company: Loan Science, LLC
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On  XXXX / XXXX / 17  I called  XXXX  to determine if I could refinance my 9 % interest rate on a $  XXXX  pri vate educational loan. They were n't showing any options available and directed me to Loan Science ( the lender ). I called Loan Science. The customer service rep told me a program to lower my rate was available 2 years ago but is no longer an option. I was not informed of this program, to which he  agreed. He said that I was n't contacted because I was making payments and that no options now exist. I am concerned that I was never informed of this program and I also do not believe it to be good practice to only extend offers to people who are in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed an account showing on my credit report with Experian from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on two occasion asked me to send them a copy of the credit report that is reporting this information. Each time I request the contract information they never able to send it. I then dispute this Item with Experian letting them know that I have no knowledge of this account with XXXX XXXX. Experian somehow able to verify that this account belongs to me. when I call Experian I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Experian was via online Experian.com. Again Experian say that this account is verified by the creditor. Since neither Experian nor the creditor are unable to provide me with the information that I requested I need Experian to remove this item from my credit report. This account is showing that 150days late, collection and sold to another company. Please remove this account from my credit report.

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 2022-01-04
Company: Opportunity Financial, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: First Advantage LNS Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I'm a XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, recently well last year, the new owner of this building has made me stressed and has embarrassed me in front of our XXXX ; we deal with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX we help the community with XXXX we are not in a rural area, but our XXXX  do live in a rural area. Well, ever since XXXX XXXX purchased this property, never less, it's been a nightmare. XX/XX/2021, they walked in XXXX while seeing XXXX  collect according to the past due to rent dating since XX/XX/2021. Our facility has never had a problem with the previous owner. The rent is on auto-pay, so it's impossible to gain late fees. I feel we are not only harassed daily, but XXXX XXXX XXXX has made changes on binding contracts done by the previous owner. They have even turned off the power on three electrical plugs ; one of them holds the XXXX and other XXXX  wording on documents several times ; even with this So-called money, we owe 90 % of our XXXX  are XXXX XXXXXXXX XXXX unique patients that I have had the privilege to help a make them smile. XXXX XXXX now has sent my business information to a debt collector again, another unprofessional situation I will include in the email along with all emails and lies she is putting my business in jeopardy

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, and there are names that I don't recognize on my personal profile. Please remove them 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 2017-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America, Your company has been falsely reportin g   XXXX    acco unts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning  XXXX  years old. As of   XX/XX/17 ,  Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my   XXXX   and   XXXX   report. These accounts are under a different name, with my  SSN,  opened years before I had turned  XXXX . BOA seems to have noticed the inaccuracies since they were deleted off  XXXX  CRA 's, but  XXXX  is still reporting. I disputed  the Line of Equity a nd Mortgage that remain on my  XXXX  credit file on   X/XX/17     only to be contacted by  BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to  XXXX  only.  XXXX  advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.

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