BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I pulled my consumer report from EQUIFAX and XXXX XXXX. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my address a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company XXXX has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from XXXX, Equifax or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit to support my family or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that XXXX and Equifax companies are either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, I spoke with XXXX XXXX at who explained this account for {$150.00} from XXXX belongs to me. I attempted to validate the account with him, but our information did not match. I explained I will need a copy of the signature on file showing I signed for this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, XXXX XXXX CONSUMER DISPUTE CENTER, EQUIFAX, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX Equifax and XXXX is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2022-12-30
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I sent money to XXXX  through cash app for a puppy. She said she was a registered breeder and sent me pictures of her through XXXX XXXX with said license. She told me that the puppy was XXXX dollars including delivery I said ok. I sent XXXX XXXX through cash app twice on XX/XX/XXXX and thought my puppy would be delivered that afternoon. It wasn't she then proceeds to tell me I have to send her another XXXX for the crate and vaccine I said I can't afford that and she then tried to make me feel bad saying I don't care about the puppy so I tried to send it cash app stopped it saying it was fraudulent charge so I didn't continue with this I then said to cancel the order and asked for my money back she kept saying she doesn't have it she spent it already XXXX pleaded with her over and over about a refund she blatantly refused to give me a refund after canceling the order and now is trying to say I am abandoned the puppy and can't take care of it after not sending her more money to get the dog back so on so I have tried to contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and message her through email and called them multiple times to resolve this problem and haven't gotten no answer for this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/ ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions Inc.
State: HI
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:
Experian ( XXXX ) XX/XX/XXXX XXXX  XX/XX/XXXX. XXXX XXXX/XXXX XXXX XX/XX/XXXX. XXXX   XX/XX/XXXX. I have called many times to dispute

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 2023-10-03
Company: EQUIFAX, INC.
State: FL
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:
My credit was pulled for a loan with a credit union for a land loan. The next day I received over XXXX calls ( and its only XXXX ) and multiple texts from mortgage companies. My wife received just as many calls and texts as I. One of the credit bureaus is providing my inquiry with all of these companies, I assume for profit and it is wrong. I have been harassed all day long with all of these interruptions. This is nuts and unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Professional Debt Mediation, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received my investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Recovery is attempting to collect {$1200.00} from me regarding a workers compensation claim that occurred in 2012. They have reported this debt to all three credit bureaus and this is not correct. I incurred the medical expenses as a result of a work injury, the hospital refused my insurance information due to the nature of my accident. My employer at the time XXXX XXXX XXXX  XXXX XXXX  of XXXX, TX has since gone out of business without handling the medical bills in relation to my work injury while working with them. I have not received any notification of this bill prior to receiving a threatening phone call from Nationwide Recovery demanding payment. These expenses were incurred nearly 8 years ago and no attempts have been made this entire time to collect from me so I thought it was resolved by my employer as it should be. I dont have any documentation regarding this claim as I have never received any documentation from this company and I dont have hospital bills or records from 8 years ago. I am not liable for this debt, my old employer is responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: SC
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 am writing to submit a formal complaint regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute the following items, but I have not received a response. I kindly request your assistance in resolving these issues and ensuring compliance with federal law. 

These accounts do not belong to me. Please remove it from my credit report. 
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 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 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 explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: VA
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor : 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 2020-11-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
There are inaccurate items reporting on my credit report, most of which are negativley impacting. I contacted these companies over 60 days ago and havent gotten a response nor have i gotten a solution for my issues. I attached the letters for confirmation

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 2021-05-04
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
This happen on XXXX XXXX when I called chime concerning something else and the transaction was brought to my attention which was unauthorized before the call was started I let that representative know that the car was being recorded but the problem where it starts is that that representative did not put down the amount of charges that was set over the phone when they submitted that claim that claim only had 53 transactions and they told me 72 transactions over the phone the transactions was made with the same payment method.BUT TO fast forward the story XX/XX/21 they granted that IS WAS AN error THAT been made AND THAT dispute # XXXX {$230.00} and {$9.00} but THEY denied the the other claims WHAT HAS the same payment method as the ones they found error which is odd.disputes BELOW ARE still waiting to hear # XXXX = {$93.00} # XXXX = {$190.00} # XXXX = {$780.00} TOTAL AMOUNT = {$1000.00} IS WHAT IM STILL WAITING FOR TO BE GIVING BACK AFTERNOON IT BEEN TAKEN WITHOUT ME KNOWING. 

MY CLAIM WHAT'S PURPOSELY SABOTAGE AND WASN'T SET UP THE CORRECT WAY AS WE UNDERSTOOD IT WAS ON THE FIRST CALL SETTING THE FIRST CLAIM UP WHEN I WENT TO GO CHECK THAT CLAIM THAT WAS SET UP WITH US OVER THE PHONE IT DIDN'T MATCH WHAT WAS SAID THAT YOU MADE SURE TO NOT MAKE A MISTAKE ON BUT MADE IT ANYWAY SO I COULDN'T USE NO CHARGES FOR A NEW CLAIM .... BUT THAT THREE OTHER DISPUTES CLAIMS THEY MAKING ME WAIT 45 DAYS BEHIND THE ACTIONS UP AND REPRESENTATIVE WHO WASN'T TRUTHFUL OR HONEST ABOUT WHAT HE OR SHE WAS PUTTING DOWN ON PAPER TO SUBMIT TO THE DISPUTE TEAM WHICH I'M NOW SUFFERING BEHIND THAT ACTIONS OF THAT REPRESENTATIVE WHICH IS NOT FAIR I'M LATE ON BILLS BEHIND THIS ACTIONS OF THAT EMPLOYEE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CA
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. 

XXXX. Account name : XXXX XXXX XXXX, ( Closed Account ) XXXX. Account name : XXXX, XXXX Closed Account ) XXXXAccount name : XXXX XXXX, ( Hard Inquiry ) 4.Account name : XXXX XXXX ( Hard Inquiry ) XXXX name : XXXX XXXX, ( Hard Inquiry ) 6.Account name : XXXX  XXXX XXXX, ( Hard Inquiry ) 7.Account name : XXXX XXXX XXXX, ( Hard Inquiry ) 8.Account name : XXXX, ( Hard Inquiry ) 9.Account name : XXXX XXXX, ( collection ) 10.Account name : XXXX XXXX XXXX ( collection ) 11.Account name : XXXX  XXXX XXXX collection ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We're trying to sell our house and find ourselves looking at a short sale because of a {$58000.00} " silent '' second mortgage that we didn't know exist. We had some foreclosure issues a couple years back, but pulled through. We thought that maybe the silent second was due to fees and interest and legal fees, but that's still an incredible amount of money and it was never explained to us. 

We had a banker look at the situation and he said that the silent second was the down payment on the house that we couldn't afford to pay. We bought the house under an FHA loan because of the low down payment. We were never told that this second mortgage was being initiated or that we owed that amount of money. No account number was ever provided to us, no explanation, and when we log into our mortgage portal to make payments the $ XXXX isn't there. We can't possibly make payments on it if we don't know that it exists. 

In the end, this silent second is deceptive and unfair, if not predatory. I feel as though we were duped into signing something, either at closing or at the execution of the loan modification post foreclosure, that we couldn't possibly understand on our own. This $ XXXX seems fraudulent. They refuse to provide an itemization of what is involved in that $ XXXX as well. Again, how are we to be expected to pay on something we A. ) didn't know existed, and B. ) don't have any information for? It's clear that Freedom Mortgage preyed upon us and deceived us just to sell us a home we probably couldn't afford. Now, we're stuck holding the bag as we're trying to get out. Unfair.

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 2022-09-09
Company: Experian Information Solutions Inc.
State: TN
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. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on Experian XXXX XXXX XXXX, account number XXXX on XXXX XXXX XXXX XXXX account number XXXX on XXXX XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666

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 2021-09-29
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation