BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXXBalance : {$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 explanation
Consumer complaint received 2022-09-02
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-04-10
Company: Experian Information Solutions Inc.
State: PA
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 submitting this compliant non influence by a third party. I am a victim of identity theft and these companies are reporting inaccurate information. I have attached supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: Dynamic Recovery Solutions, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XX/XX/XXXX, a property in XXXX, XXXX was purchased using my credentials. When I learned of this, I immediately discovered all pertinent information about and had a police report taken in my township of XXXX XXXX, XXXX. Local police forwarded the matter to the FBI in XXXX and then they forwarded that to the White Collar Division of the FBI in XXXX. Many debts appeared from this fraudulent address of XXXX XXXX XXXX, XXXX, XXXX and all other matters were discharged ( I even sued a bank and credit reporting agency successfully since XXXX bank sold mortgage to a XXXX bank after I disputed the transaction ). Also, other debts using a false XXXX State Driver 's license were also undertaken, but all were successfully mitigated. Now, I 'm still getting harassed every few years over a XXXX XXXX for the same address. Dynamic Recovery Solutions calls me continually on my work cell phone ( a State of XXXX owned phone number for the record ) and my home phone number. I sent them a cease and desist letter on XX/XX/XXXX which USPS says was delivered to them on XX/XX/XXXX. I have received 2 calls since that time. Make them stop or I will sue. Since this debt is obviously over 10 years old, they have to stop also. I sent them in a letter to " XXXX '' my name and the phrase " Identity Theft '' to see that this was well published in many newspapers ( I even made the front page of XXXX XXXX ). I was also interview by XXXX XXXX and my situation was seen on XXXX nationally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: Chrysalis Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied to NewDayXXXX who has TV ads that promise help for veterans. they turned me down for the same reason that all the other companies did. despite the fact that I have a high XXXX credit score, have paid my mortgage for 40 years, XXXX on time payments, substantial assets, and was asking for a mortgage that is 1/5 the selling price of my house. guess they do n't want to help vets that much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experianis reporting XXXX item from XXXX XXXX that do not belong to me. I have sent the documented police report to them along with the notarized affidavit of identity theft. as well as sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which requires them to block these fraudulent items. I have disputed these items many times and sent Experian letters time and time again confirming this. I have even contacted XXXX XXXX to settle this and they told me to contact Experian because they have walked away from this item. Experian have ignored this request and continue to report these fraudulent

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 2020-03-25
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Dear Consumer Financial Protection Bureau : I obtained my Equifax, XXXX  and XXXX  credit report on line. There was a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. ( I have attached letters along with this letter ) My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax, XXXX or XXXX  Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted EASTERN ACCOUNT SYSTEMS, INC every 45 days since XX/XX/2021 to validate alleged debt. EASTERN ACCOUNT SYSTEMS , INC. never sent documents supporting any purchase of any medical debt allegedly belonging to me. Collection accounts have been removed from XXXX and XXXX for failure to validate. XXXX refuses to remove these debts and responds to my disputes as " verified '' EASTERN ACCOUNT SYSTEMS, INC. 
ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: C & M Associates Group, Inc.
State: SC
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Caller was from XXXX and XXXX. Called me on my cell phone which I did not provide express consent to call with an automated dialer. This is a violation of the TCPA. The name of the organization left in the automated message implied a lawfirm, which is in my opinion unfair and deceitful. When I returned the call, I was informed this was a purchased debt from a XXXX deficiency, and is way past statute. I was not given the mini-Miranda, was not provided a written notice within 5 days of my right to dispute the validity of the debt. FDCPA violationsVerbally informed them they do not have my consent and if they thought they did, I revoke permission to call me on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my credit report that I never gave authorization for. During the past two years, going through the pandemic, I was not applying to run my credit anywhere. but I see here on my credit report, that the entire year of XXXX my credit was ran almost on a monthly basis by various companies. That continued through XXXX and even XXXX already. Some of these are the same company, running inquiries on my credit multiple times throughout the years. Some, I noticed even ran my credit twice in the very same date. This was done without my authorization and without my knowledge. This is practically warfare on my credit by these strange companies and the amount of inquiries is shocking. I should have XXXX inquiries on my credit from XXXX to now, because I did not apply for anything during that time period. I did not give permission or request that my credit be ran for anything. I was not authorizing inquiries of any kind from XXXX to now. I am just now finally going to use my credit after having recovered from the pandemic and concerns about the wars starting overseas impacting our country financially. Having decided to now use my credit towards purchasing a home and starting a business, I was shocked to find my credit being abused by companies that had no authorization from me.

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 2019-11-29
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
This account a collection agency is trying to collect on is already closed by the creditors, this account has been closed and settled since XXXX/2016, yet, the creditors and collection agency continue to re- age this debt before selling it back and forth to each other. I had spoken to XXXX XXXX on several occasions and they closed the account, but yet they ( XXXX XXXX ) and ( Midland funding ) keep selling it back and forth ruining my credit more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: Chrysalis Holdings LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
This is my complaint which i have also filed with the XXXX, MD Office. I have also sent a copy of the below complaint to my Congressman. They are not helping Vets they are lying to them saying you do not qualify for a 3.5 percent loan for cash out. When every other home loan company rates are 3.5 with cash out. 

I 'm writing this in hopes of warning fellow veterans to look into alternative Mortgage Institutions other than NewDay USA mortgage loans. After submitting required loan documents, I was pleased with the progress of the loan process until I received a copy of the Loan Estimate. NewDay USA gave me an interest rate of 4.2 and 4.7 when the prevailing VA interest rate was at the 3.50 percent. After receiving this information, I contacted XXXX other reputable loan companies and also filed for a VA mortgage loan. Shortly after I received both Loan Estimates, they were surprisingly lower at 3.50 ... Same credit, same loan amount, same loan duration. I was also told that the reason my rate was at the 4.7 was that i had take the XXXX percent financing, however when she looked at my loan she discovered that i was not taking XXXX but XXXX percent. So, she quickly change to another topic. 

I called my loan representative back from NewDay USA and asked why was my loan interest rate so high. The rep stated that the VA rates we carry are at the 4.5 level and if I wanted a lower rate, I would have to take loan without the cash out option. When pressed on the various details of their loan estimate, my rep became evasive. My loan was cancelled. Now i 'm currently in the process with a new company to obtain a VA Loan with the cash out option. The Loan Estimate i received with this company is at the prevailing VA rate of 3.50 %. 

My Fellow Veterans - NewDay USA seemingly pride themselves of having Integrity and promotes giving back to service members and veterans. However, please be careful and shop before trusting any company, especially NewDay USA. Please review your " LOAN ESTIMATE '' very carefully before signing closing documents. If your rate is substantially higher then the prevailing VA rate, " Do n't Sign '' those documents. 

The President, CEO, COO, and Board of Advisors should be ashamed of themselves for misleading VETERAN. Veterans expect more from a company that represents themselves as being the brightest military minds of our generation. Members who know the needs of veterans but instead of helping veterans they take advantage of them by charging outrageous rates for VA Home Loans even when the prevailing VA interest rates are lower. 

I believe this matter needs to have a congressional leader involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: GLENN ASSOCIATES MID-ATLANTIC, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted this company previously in regards to an account they furnish on my credit file. I requested that the company provide me with a contract or documentation bearing my signature and they have done so however, their is no record of billing. The balance owed is just on an alleged move out statement. To the best of knowledge this unit was sold and the contents contained in it was more than this balance because this balance being reflected is not correct. I asked for a complete billing record and was not provided. I also requested documentation from the sale of the unit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attended XXXX XXXX XX/XX/2015 per the school guidelines I was to withdraw by week 3 in order to not be charged for the school term. Per the school administrators I did do that, I am now being charged my Meade and Associates ( a debt collector for the balance ) I have tried to contact the debt collector and the school. No resolution seems to be getting resolved.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was on offer up trying to purchase couches, I found some I really liked and the person selling them said to send XXXX so they can take them offline and hold them for me and when they delivered them Ill pay the rest in cash but they stopped responding and deleted the post. All I have is the email I sent the money to trough Zelle. Zelle nor chase are willing to help me retrieve my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was a new customer at BMO Harris Bank and opened a savings account with a coupon I had that promised a {$500.00} bonus if I met certain requirements. I met those requirements but did not receive the bonus. The bank was informed that I did not receive my bonus and I was told by XXXX XXXX of the XXXX WI branch that they would need to research the issue. I was later informed that because I have a son with an account at the bank and he is allowed to be a cosigner on my account to handle my finances for me ( I 'm XXXX years old ), I would not receive the bonus. I feel that this is ridiculous, unfair, and since it was not disclosed to me at the time I opened the account I believe that the account was opened under fraudulent pretense that I would receive the advertised bonus. Rather than reward my son for bringing the bank significant new business I am penalized for banking at the same bank my son uses. This is a sleazy way to do business and I am considering closing my accounts and moving to a bank that does not promise incentives and then look for ways to get out of fulfilling them. I lived up to my end of the agreement with the bank and I expect them to live up to theirs. I am also filing a complaint with the Wisconsin Department of Financial Institutions if this is not resolved immediately. I am entitled to a {$500.00} bonus and I expect to receive it.

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 2022-04-10
Company: EQUIFAX, 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:
I have been attempting to clean my credit report for the last 5 years. One of the issues that I am continuously running to is accessing information from Equifax. 

My deceased grandmother & myself share the same name with different middle initials. We also shared the same permanent address for many years. This has always been an issue & I began using my middle initial on all signed documents. 

What has occurred is Equifax has combined our information. They have my birth date on file, what I believe is her social security number & a last name ( XXXX ) which she used ; this was never legally her name. 

I have faxed as well as mailed Equifax a copy of my birth certificate, social security card & my tax return with no communication of a resolution to fix this issue.

Company response to consumer: Closed with explanation