BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: SC
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 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 of the person knows or has reasonable cause to believe that the information is inaccurate. 
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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgate falsifies an escrow short of the amount {$21000.00} to demand an increase of {$1800.00} in monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, ' Nationstar ' has not been applyingmy monthly payments! 
They changed the payment amount, but did not inform me! 
I have talked to at least XXXX people at Nationstar over the past 7+ weeks, Every time I talk to someone, the story & amount changes! 
I talked to a Rep on XX/XX/XXXX who said the amount was {$1300.00}, However Nationstar says that was the wrong amount!? 
They have put on my credit report that I am 60+ days Late! 
I have made ALL of my payments on Time & in FULL!! 
I have contacted an Attorney!! 
" NATIONSTAR MORTGAGE " is a CRIMINAL JOKE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: AZ
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:
My account is being reported with late payments. I was never late and have not received a response after sending the bank a certified letter requesting verification!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-06-22
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2020, I had a collections show up for XXXX XXXX  that I have disputed in the past with another collections agency. The account was removed and deemed fraud. I have never ever had XXXX XXXX  in my life. Since I have found out about this account in 2020 I have made all steps to protect my credit against fraud, using multiple companies to alert me of anything that appear or if someone tries to use my credit. I pay {$450.00} for 3 separate services monthly. As soon as this hit my account, I was made aware. I was never sent a letter from this company before they abruptly added false and fraudulent information on my credit. To date, the company has not been able to produce anything with my signature stating I agreed to any such services or agreed to pay any amount. The last information was when it was removed after filing a report here and it was marked as fraud with XXXX XXXX. This is causing me extreme XXXX  just as I started getting my life back to normal. It came at such a surprise, I had to leave work and come home. This is not good for my health right now. I have also contacted my attorney in regards to this. I want this company to remove this off my account immediately as it is not my account and I never agreed to any services with this company nor did u sign any contract signing up with this company. The amount of this account is rather significant for cable TV which is another concern for legit consumers. If the account isn't removed, I will be taking steps for damages not only to my credit but my mental and physical health as this is fraudulent 100 %

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is inquiries that wasn't authorized by me and it's affecting my life because I'm unable to obtain credit or loans only because I have way too much inquiries I would understand if it was me who made those inquiries but it wasn't therefore i want them to remove it from my credit report upon them reinvestigating the inquiries and if can't be verified please delete them.and send me a update credit report thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Comerica
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
XX/XX/2022 I reported unauthorized transactions to Direct Express. I also informed Direct Express that it is impossible to set up online account for my benefits as it appears someone has already set one up without my permission. The agent said Doesnt see unauthorized transactions.. However, I had not given the agent a date, amount of transaction, or payee. Agent cancelled my Direct Express card and put me on hold. Now, XX/XX/2022 when I call Direct Express I am only allowed an automated recording which states my new debit card was issued on XX/XX/2022. I have not received my card and I was not allowed to dispute unknown transactions. There is no prompt to speak with Customer Service, automated recording says date issued then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: GA
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:
There are several accounts reporting in error on my credit report ; there are several accounts with incorrect status and accounts that did not belong to me. 

The following accounts have incorrect late status : XXXX XXXX - incorrectly reporting that I was late XXXX & XX/XX/XXXX and XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX - incorrectly reporting that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX XXXX XXXX - incorrectly reporting that I was late XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90 and 120 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; XXXX - incorrectly reporting that I was 90, 120, & 150 late XX/XX/XXXX - XX/XX/XXXX ; please remove incorrect status from my credit file ; The following is not my account : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ct I did not authorized the following inquiries : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize these credit inquiries I asked for them to be removed and the bureaus did not do what I asked. 
I am providing an identity theft report and Im requesting for them to be removed because they are inaccurate and not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, 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 have went over my credit report once again and i have a few accounts that i did not open. Please help me get these accounts removed they are affecting my credit score drastically. I did not open these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
my client applied for a loan modification with Nationstar mortgage. his loan is serviced by Nationstar and owned by XXXX. The process started in XXXX and the home owner was required to submit financials XXXX times, change the XXXX XXXX times, and provide tax returns and explanations more than XXXX times. twice he was called by Nationstar and told they will be offering him a loan mod and to stop paying the mortgage. This morning I went on to the Nationstar website to see if they had amiled him the modification agreement and noticed the modification was declined. I called and spokt to a representative in loss mitigation. I called on a recorded line and the loss mit representatives name is XXXX XXXX. The time of the call was XXXX eastern time. He stated that Nationstars policy is not to allow a modification until the home owner is at least 90 days late on the mortgage. When I explained the home owner would be in danger of foreclosure he said to tell them not to spend the money but to hold it so the loan can be reinstated if a foreclosure date was scheduled. When I explained they would incur additional costs for late fees and attorney fees he said there was no way to avoid it. The homeowner qualifies for the XXXX modification and there is no reason that he was denied. they claimed he did n't have a hardship. This homeowner was 60 days late in XXXX and sold an automobile to get current so he could show them he would act in good faith, and by declining him the modification they are putting him in jeopardy of falling behind again and potentially losing his home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U S DEPT OF ED/XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-01-19
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i have contacted Robinhood via email, social media and phone to no avail. They continue to keep my nearly {$2300.00} in my account and are refusing to allow me to w/d my money. they keep coming up with 100 % false emails and lies that claim I said there was fraudulent activity on my account. I NEVER said that. In fact, the only fraud actually is on part of Robinhood who continues to pretend to be doing something about this issue by emailing once in a while that they will get back to me but never do. 

Robinhood has and continues to commit theft, conversion and fraud by misrepresenting its practices and procedures regarding funds withdrawal. Further, their clear lack of policy and procedure for handling issues they can not even identify ( i still do not know why my account is " frozen '' ) is a clear indication that everything they represent and warrant in their solicitating my business, disclosures, etc. is COMPLETELY FALSE. 

They have take NO ACTUAL OR REASONABLE steps to address my 30 plus emails. Under false pretenses, they pretend to be looking into the matter and in fact its HIGHLY PROBABLE that they are not. 

My next steps will be to contact the SEC, the Illinois department of financial and professional regulation to ensure that XXXX is held accountable but more importantly - its workers who i am sure are all licensed in some form or fashion are disciplined and/or lose their licenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Creditors are not able to pull my credit report. There is no fraud or freeze alerts. I have changed/dispute the current address on my equifax credit report to XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Equifax will need to change the report to the address as the address info will match up to what's on my lender application. They need to fi this issue as it is causing the lender to not be able to pull the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
Please see complaints : 1 ) XXXX XXXX ) XXXX Thirty-two days after I first reported an error on my credit report and provided extensive documentation supporting it, TransUnion has sent me a letter claiming my dispute/documentation is 'illegible ', so they are 'unable to process the request '.

I do not believe that any of the documentation I sent the consumer reporting agency was illegible, but I wanted to get a federal agency 's opinion.

Attachments : 1 ) TransUnion 's claim that the dispute was 'illegible ' ( apologies for the bad quality picture of the letter ). 

2 ) Letter disputing fraudulent information on my credit report ( sent to TransUnion by certified mail on XXXX XX/XX/2023 ). 

3 ) Letter disputing fraudulent information on my credit report ( sent to TransUnion by certified mail on XXXX XX/XX/2023 ). 

3 ) Letter disputing fraudulent information on my credit report ( sent by certified mail on XXXX XX/XX/2023 ). 

Proof of delivery/return receipts are included in each document.

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 2021-06-22
Company: TMX Finance LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I paid my loan off in XX/XX/XXXX. My local store shut down and all titles from TitleMax were supposed to be sent to Corporate Office. I have been in contact with them and they say they have not received my title. Almost like my title is somewhere lost. Theyre providing me with false information, stating that I spoke with someone yesterday and my last call to them was on Friday. I never called them yesterday.. at this point Im very frustrated because I have a car that I need to sell, but dont have a title for

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: SET Financial Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Received a loan in the mail from SET FINANCIAL. The loan was for {$750.00} and was to be paid back in XXXX installment payments at {$160.00}. Deposited the check on XX/XX/XXXX. On XX/XX/XXXX I sent money order in the amount ( # XXXX ) {$160.00}. I DID NOT FEEL COMFORTABLE WITH THIS COMPANY. So, I then on XX/XX/XXXX I sent XXXX more money orders ( # XXXX ) {$300.00} and ( # XXXX ) {$280.00} which equal the total amount of the loan. I repaid the in full within XXXX days of receiving it. Because I never delt with this company and did not feel comfortable with them. In XX/XX/XXXX I received a call from SET FINANCIAL asking when I was going to make a payment. I told them that I had repaid them there money. They told me that they charged me late fees and if didn't pay they would put it on my credit report as bad credit. The amount of the fees have been changing from {$220.00} to {$160.00} now on my credit report. THAT'S WHAT THEY DID EVEN THOUGH THEY GOT ALL THEIR MONEY BACK! SET FINANCIAL sent it to a collection agency XXXX XXXX XXXX. XXXX XXXX XXXX collection agency told me they waiting to hear from their client. SET FINANCIAL WAS OUT TO RUIN MY CREDIT! It has HURT my credit!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received confirmation # XXXX from a collection company called XXXX XXXX ( XXXX ) XXXX to affirm that I had in fact resolved this matter for an old XXXX  bill, by settling the payment for {$510.00}. Then a month later the same bill was requested for me to be paid by another collection agency ( who's name I don't recall because once I gave them the information I provided above they dismissed the account ). Then on XX/XX/XXXX I received a letter date XX/XX/XXXX from another collection agency called AFNI, inc. ( XXXX ) XXXX requesting that I pay XXXX again for the same XXXX XXXX I had already resolved with XXXX XXXX. I immediately called AFNI, inc. on the evening of XX/XX/XXXX to explain that this matter had already been resolved but the representative refused to accept my information and stated that if I didn't pay that they would report the account to the credit bureaus ( which they did by the very next morning an AFNI, inc. collection account was reported on my credit report ( XXXX, not sure of the others as of yet ). I contacted XXXX in which they just directed to call another credit agency who directed me to call XXXX back and explain that they must resolve this matter. I can not get ahold of anyone at XXXX to resolve this matter, and I've tried every support avenue they offer from chat to calling them directly. I am at my wits end and do not know what to do from these predatory collection agencies continuing to try and collect on a bill that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving repeated and early monring calls from Medical revenue services - phone numnber XXXX regarding medical debts. As a student I am trying to make arrangement to pay my medical bills since I have no job. I called them back on XX/XX/23 the company and asked for information to contact the hospitals- since the name of the hospitals provided did not match my records of whre I obtained care. The representeative was very insultive - telling me that since I assume to be a student, I should know that XXXX XXXX and XXXX hospital are the same. That I shoyd have settled my bulls to avoid XXXX calling me. 
She would not proivide the th information I requested, but just kept talking down at me and would not listen or address my request, so I hung up. They just continue to harrass me and I am afraid of taking any calls. 
Please help.

Company response to consumer: Closed with explanation