BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
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:
On XX/XX/2020 i sent equifax i sent in exhibit A. I clearly listed my full name, Full SSN Number, Full Address, Full previous Address, Full date of birth, The account and account number of the fraudlent account, what needed to be done in detail. Then in exhibit B Is my proof of identity which is my lease agreement and a picture ID. In exhibit C is the FTC report that i have sent to them, in exhibit D equifax sent me a letter on XX/XX/2020 ( WITH MY FILE NUMBER ON TOP OF MY NAME ) they stated they needed more information from me because they could not locate my file. But i provided everything they listed they needed and i forgot to mention i was denied to have an fraud alert placed on my report. This account is hurting my credit rating and needs to be removed from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: IL
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:
Kindly delete this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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: 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 https : //www.ftc.gov 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 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 XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, U S DEPT OF EDXXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is 3 accounts from a company called XXXX XXXX that was opened from my identity being compromised. I am requesting the 3 accounts be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Resurgent Capital Services L.P.
State: AR
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:
I asked this company over 5 times to send me a break down of this supposed bill they claimed I owed. I never got anything from them. They slap this account onto my credit report causing me to get denied for my home loan. I reached out to them several times and they kept referring me to the collection agency they sent me to which in return referred me back to the creditor. This bill came from a doctors office which violates HIPPA and I know for a fact I refuse to sign any disclosing of my personal business. they expect me to pay something that goes against the law and I don't have a debt validation either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX {$24000.00} XXXX   XXXX {$3400.00} XXXX XXXX {$390.00} XXXX XXXX {$0.00} DPTEDXXXX  XXXX {$5500.00} XXXX {$10000.00}

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 2022-12-07
Company: EQUIFAX, INC.
State: VA
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 sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a letter was sent to me from Midland Credit Management claiming that I owed {$500.00} for a a XXXX XXXX  XXXX XXXX 's account. Per the FCRA, I should have had 30 days to dispute these claims but the letter gave me until XX/XX/XXXX, however didn't even receive the letter until after that date. I sent in my dispute and it was received within 30 days of the date of the original letter on XX/XX/XXXX. I included tracking and signature required on the dispute letter to Midland Credit Management. And the proof of delivery on XXXX 's website, states it was delivered to their mailroom and signed for in XX/XX/XXXX. I did not hear back from Midland Credit Management regarding the dispute and none of the information I requested was received. The only thing I have received from Midland Credit Management was another debt collection letter dated XX/XX/XXXX. From the date my dispute letter was received by Midland a credit Management XX/XX/XXXX to the date I received my next credit collection letter ( not verifying the debt ) on XX/XX/XXXX. that is 55 days. The FCRA says that if a debt can not be verified in 30 days then all collection activity must stop until it is verified. Midland Credit Management violated my rights by sending a second collection notice on XX/XX/XXXX without first verifying and responding to my dispute on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NY
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Bankruptcy on credit report from credit bureaus, however, this information can not be verified because bankruptcy court does not verify with the credit bureaus.

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 2022-05-04
Company: Account Resolution Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to you as an insured person of XXXX XXXX. I received services from the in-network facility : XXXX XXXX XXXX in 2021. Prior to receiving these services I had expended the full amount of my deductible and coinsurance ; Leaving no remaining patient responsibility. 

The above facts are not in dispute by the insurer, nor are they in dispute by the provider. 

I contacted Account Resolution Corporation, and advised that this was a mistake, and requested that they contact their Principle ; XXXX XXXX XXXX. They refused. 

After many weeks of trying to get a live body, and a reply, it seems that XXXX had a software glitch, and provided XXXX an incorrect TIN #. I am further advised that multiple consumers were impacted. 

This matter needs to be cleared up with an urgency that none of the parties seem willing to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NJ
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 items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Fraud accounts were opened with my social security number. I've went to every measure to have these accounts removed from my report including contacting the Nevada Attorney Generals office because XXXX XXXX  refused to remove the account from my credit report. I have requested documentation from the from the company proving that the account did indeed belong to me but i was denied because of verification!! Obviously because it doesn't belong to me but now I don't know where to turn fighting this corporate giant and have them remove this account off of my credit. 3 Credit Bureaus removed the account from my report as of XX/XX/2021 but XXXX reported the fraudulent balance once again and it is back on my on my report. It was recently removed from XXXX but I am still having a hard time getting this problem resolved with XXXX and and Transunion.

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 2021-09-30
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me XXXX XXXX that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Ocwen tried to foreclose so I filled out a modification and it went through so I made payments but they failed it. Then in XXXX I filled out another modification according to Ocwen, it got approved and I made 6 payments. They then failed that modification and put me back in foreclosure. Once again in XXXX I filled out another modification with Ocwen and made 3 payments, then they failed that modification. I believe this was a scam because the payment went from $ XXXX $ XXXX $ XXXX {$3500.00}. Now that I've been in foreclosure they have been charging me {$3500.00} a month on paper. I have been in foreclosure since XXXX, my first lawyer had it for 10 months and then quit. My second lawyer had it for 10 months then quit. Now I feel very vulnerable and I need help, they are still trying to fraudulently foreclose. I feel they have misinformed and misguided me into foreclosure. I have done everything they have asked and they still put me in foreclosure. My lawyer has now filed a complaint to put them on hold but he also has quit. The mortgage servicing companies involved are Ocwen, PHH, and XXXX, they kept changing which company dealt with the mortgage to further confuse me. Those companies are all owned by the same parent company.

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 2018-08-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, 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:
On XX/XX/2018, my son applied for credit at XXXX XXXX # XXXX, XXXX XXXX XXXX   XXXX, XXXX, CA., XXXX which was done by XXXX at ( XXXX ) XXXX in which you reported my son had no credit score whatsoever with Equifax . Due to the fact that I didn't want to have him have a tire blow out while driving, he asked me to co-sign. I know for a fact that he has a better credit score than I do. So the problem Equifax caused was to put a hard inquiry on my credit report by co-signing when it wasn't necessary at all which you took 10 points off my credit score. By that time, I had a decrease in one of my credit cards for {$410.00}. You provided the wrong information to XXXX. When I co-signed, I went to XXXX in XXXX, CA. on XX/XX/18. My son has made a complaint with the CFPB also. He copied information off XXXX XXXX and provided it to the company to prove he actually had a credit score of XXXX minus 10 which brought it down to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: NAVY FEDERAL CREDIT UNION
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I would like to express my dissatisfaction with the service I received from Navy Federal Credit Union. Over the years, I have encountered multiple instances where my accounts have been mishandled, and I strongly believe that this treatment has been influenced by XXXX discrimination. 

One recurring issue that I have faced is being locked out of my account on numerous occasions. This has made me feel like a criminal, as I am being punished without just cause. Additionally, I was wrongly accused of misusing my accounts due to a returned payment, which was promptly corrected. It is important to note that I had previously taken out loans with Navy Federal Credit Union. 

During a period of permanent account lock ( not closure ), Navy Federal Credit Union refused to allow funds in my accounts to be transferred to make card payments, resulting in late payments being reported. This situation left me feeling defeated and ultimately led me to give up, as it became apparent that engaging in a prolonged battle with them would be futile. 

I hope that Navy Federal Credit Union takes my concerns seriously and undertakes the necessary steps to rectify these issues. It is disheartening to experience such treatment, especially from an institution that is meant to provide reliable and fair financial services to all of its members. I am formally notifying them of a notice of suit and demand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

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: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have used my points from Chase XXXX Rewards to book flights from XXXX XXXX, CA ( XXXX  ) to XXXX, HI ( XXXX  ) for my family of XXXX on XXXX XXXX. The total value of the booking was approximately {$2000.00} and the tickets claim to have no change fees, which is also confirmed on the airlines website. 

We tried to change our inbound flight, which was priced at {$560.00} for a new ticket on both the Chase XXXX Rewards and XXXX XXXX. When I contacted customer service to make the change the wanted to charge me over {$1000.00} per ticket. This was almost double the price of just booking a new ticket. 

I then inquired about cancelling the flight and having my points returned to their original account or a travel bank for future use with the airline, but they advised me that I would forfeit all my points, even though that is not the policy outlined on website or the confirmation email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act XXXX  XXXX, Experian and XXXX have violated my rights. 
15 USC 1681Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 
All late payments from my credit report must be deleted

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 2022-04-12
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:
THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

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 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