BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account for a very long time with Equifax. I disputed this information with all three bureaus for multiple reason, mainly because of the inaccurate information, it being a charge-off ( so no debt is owed to the original lender ), and because the account is not mine. My address has never been the XXXX XXXX XXXX XXXX, XXXX XXXX and I have never been an employee of XXXX XXXX XXXX XXXXXXXX I contacted the Secretary of State in Mississippi and informed them of this information. I was then told that anyone is able to add an individual as a managing member of their business without consent and they informed me to contact the person or business to have me removed. This individual is refusing to do so. I will attach a screenshot of the conversation of me asking him to remove me from his business. Furthermore, I asked Equifax, and the company via phone call, to validate this inaccurate/incorrect account that they are reporting on my credit profile and to show proof of original contract that bares my signature, nothing computerized, and that shows my signature, the same signature that is on my valid and current State of Georgia Driver 's License. They failed to show proof. The documents as you will see does not show proof of my signature anywhere, on any of the documentation. Equifax is the only credit reporting agency that is refusing to acknowledge that they are reporting this information inaccurately. Equifax is in violation of the following consumer laws with regards to this matter : 15 U.S.C. 1681i ( 7 ) 15 usc ( 6 ) ( B ) ( iii ) FCRA,15 U.S. Code 1681e ( b ) under 15 U.S. Code 1681n 15 U.S. Code 1681o Law 15 U.S.C. 1681i ( 6 ) 15 US Code 1681n ( b ) This false and inaccurate information is affecting my credit worthiness and it is making me look very bad to lenders. Also, it is affecting my mental health because I have tried very hard for the past 8 years to build my credit so that I may pursue goals of purchasing a home and accomplish other goals that I have and this continues to affect my XXXX. 

Please see all of the attachments of letters sent to them, the conversation between myself and the individual that has falsely and illegally added me to his business without my consent, and the results they recently sent me back in the mail to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested validation of debt from the original company. I never received a response of the information requested. The information on my credit report is reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal XXXX. Everyone knows this. Shame on anyone who works at paypal. 

I sold an item on XXXX item # XXXX. It was delivered by USPS on XX/XX/21, see tracking # XXXX. XXXX states that funds are available. 

But when I visit the worthless trash Paypal website, it says my funds are on hold, and Paypal is under the impression that the item hasn't even shipped. They are wrong. They are idiots. XXXX XXXX XXXX XXXX XXXX XXXX. 

Please cause them to release funds for the item so I can close my account and never deal with these XXXX ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This debt collector is not licensed in the state of Georgia and violates the law. I have requested the item removed with threatening phone calls in return. 

I C SYSTEM Last reported XX/XX/XXXX {$4200.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 7 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im having issues with my identity. Ive been a victim of id theft for a while and im trying to stop this. Im not being able to work due to my information ( Name, SS, address, D.O.B. ) not matching E-verify ( DHS ) system or SSA. Ive gone to SSA, IRS etc. and have had to apply for a new card and full name, address correction. Althought when i try to have the same done to my credit bureaus accounts after multiple disputes, it always looks like the info is never corrected. They keep my name but it is not my full name. This is the reason why i keep having identity screening issues. Ive lost all my jobs due to this and have had financial and mental hardships as a result.I dont know what or why isnt this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a collection appear on my credit report from ICS that did not belong to me. ICS has a name similar to mines but its not my name ICS has an email similar to mines but its not my email address. Also the property where cable service was provided I moved out XXXX of 2020 its my understanding the account was opened XXXX months ago

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 2023-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Kohls continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however Kohls has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and Kohls blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show Kohls is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to Kohls ' inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
i have credit card from bank of America for traveling i used went i traveling time, since the time i don't received any bonus. Or card reword.

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 2021-01-22
Company: IOWA BANKERS MORTGAGE CORPORATION
State: IA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a forebearence on my VA loan with the Iowa Bankers Mortgage Corporation due to financial difficulties in paying my mortgage on time due to the coronavirus pandemic. OnXX/XX/, I received a notice that my mortgage was in deliquent status for the past 111 days and that I was being threatened with a foreclosure as well as being charged late fees from the Iowa Bankers Mortgage Corporation. They also failed to stop payments on my mortgage for the first month after I had requested the forebearence in XX/XX/XXXXXXXX. Their phone number is XXXXand their email is XXXX. Their mailing address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IA XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX! My information was compromise in the XXXX  XXXX data breach. The beginning of this year I've been having problems with a hacker trying to access all my personal. The hacker has taken over my XXXX page, try to hack into my XXXX XXXX, also hack my personal laptop computer XXXX create it fake pages on dating websites. I'm trying to clean up my credit, because it has a lot of old address and wrong information on my credit report. I have contacted XXXX, XXXX, and Experian. The only credit bureau that would not co-operate was Experian .The old addresses and wrong I need remove is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also these phone numbers are wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect name XXXX XXXX. Also all the employer is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Accounts XXXX XXXX XXXX XXXX ( Account number XXXX ) XXXX Late Payment XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: TX
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.

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 non-monetary relief
Consumer complaint received 2020-12-22
Company: BSI Financial Holdings, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
A COMPANY TOOK MY HOUSE WAS FRAUDULENTLY IN 2006. I THOUGHT I WAS TAKING A LOAN OUT OF HOUSE TO HELP DAUGHTER OUT OF FORECLOSURE BUT INSTEAD THEY TOOK OUT XXXX. BEEN BEHIND EVER SINCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: PA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Skrill USA, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I transferred {$1000.00} into Skrill digital wallet with prepaid card and then I pulled XXXX out in the ATM and then I added a little bit more like {$350.00} more and then they locked it up. I had already given the {$500.00} to pay my rent so they left me with no money and XXXX little XXXX  they locked up every single penny I have and I have a XXXX year-old and a XXXX-year-old that have not eaten since breakfast time and it is now XXXX XXXX I started emailing and contacting them immediately I sent them screenshots of the money, coming out of my own account and going onto their card as proof that its not fraudulent and it all belongs to me they ignored me. They screened out my calls, they sent me form responses, They reviewed it and marked it, solved and then reopened it and kept it locked up. I begged them to unlock my money because its every penny I have and I have XXXX babies that havent eaten since breakfast and they left for the day with us having no money, and no food. They should be punished to the fullest extent of the law and I intend to contact an attorney regarding our suffering throughout today, and the fact that these XXXX  are going to go to bed hungry. I have {$850.00} in there and it all belongs to me and I need to feed these children and theyre not going to even give it to me. They need to be punished. I contacted them from XXXX XXXX  all the way till now which is XXXX XXXX  central standard time we have nothing we have no food they have every penny locked up. I contacted them 100 times through email, through phone, which they either screened out or hung up on me and through chat and threw tickets telling them numerous times that I had XXXX babies here that had no food, and that they had all my money they need to be punished to the fullest extent of the United States federal law, or forbidden from doing business with Americans because they obviously can not do the job and we are starving.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
On XX/XX/2023, Penny Mac replied via mail, expressing they do not honor presentments and endorsements to discharge this mortgage debt. Instead they sent me two huge packages for a loan modification. I am clearly attempting to work with PennyMac in Good Faith, to setoff the debt, as PAID IN FULL, yet continue to be declined. 

Verbatim : In fact, your views are not recognized by any court of law or administrative tribunal within the United States. You are further reminded that your obligations under the terms of this duly executed Note and Security Deed are binding, valid and fully enforceable at law. 
Pennymac must respectfully decline the documents that you enclosed with your correspondence. 

Yet failed to return my presentation ( registered security ). Kindly return my presentation. 

Might I add. 
HJR-192 superseded Public Law ( what passes as law today is only " color of law ), replacing it with public policy. This eliminated the ability to PAY ( we the people ) our debts, allowing only for their DISCHARGE. When we use any commercial paper ( checks, drafts, warrants, federal reserve notes, etc. ), and accept it as money, we simply pass the unpaid debt attached to the paper on to others, by way of our purchases and transactions. This unpaid debt, under public policy, now carries a public liability for its collection. In other words, all debt is now public. 

By continuing to decline, I am expressing a conditional offer. Please see attachments. 

I would appreciate this matter being handled in a speedy manner, within the next ten business days, as I have been harassed weeks prior, regarding foreclosure proceedings etc, which are plenty civil penalties surrounding those efforts. I remain in GOOD FAITH to serve the public debt the lawful and correct way. 

I have taken many precautions to protect my rights as a consumer, such as filing XXXX with the state of XXXX, and want to work together to help service the countries negative deficit. 

Please adhere to my requests. Thanks in Great Faith XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Southwest Recovery Services, Inc.
State: MN
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 not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Southwest Recovery Services, they did not provide me with the original contract as requested. 
I have contacted both XXXX and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: GA
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The XXXXir Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation