BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: Affirm 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: Account information incorrect

Complaint:
Ive had over XXXX loans with excellent pay history then COVID happened. All I needed was a little assistance to avoid tearing up my credit while getting back on track. 
Please refer to the previous Complaint numbers : XXXX and XXXX with CFPB to help in the resolution of the issue. As I stated on Complaint # : XXXX, their request for more time to resolve was delay tactic to add a derogatory item on my credit. I received notification to today of XXXX different items marked with a derogatory items of 30 days past due. They added the 30 days past due because requested the additional payment be returned. However, I made the payment before the 30 days and have since requested assistance again without a response. All my other creditors, made arrangement so I would get any past due payments. There arent any of my Affirm with purchase or remaining amounts of {$300.00} or {$440.00} and the derogatory items do not show Loan number. 

On XX/XX/2022 and again on XX/XX/2022, Ive tried to get assistance because of Covid twice with CoVid related issues. There were XXXX different managers that sent the form to me to process for assistance but it was intentionally blocked to complete. 
On XX/XX/2022, I spoke to XXXX XXXX Supervisor over an hour in an attempt to resolve the issue. I am not trying not to make payments but asking for assistance to stay in good standing with Affirm and keep my credit report free of derogatory items. stating she could not see if Affirm reported my accounts to XXXX. She very frustrated when I questioned the ability to see what the previous representative told me. Also, she said Im putting every we both said in the notes. Affirm tells me one thing and tell CFPB something entirely different so I hav3 to record the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Red River Collections Inc.
State: ND
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. The Plaintiff, for its Complaint against the Defendant, states and alleges as follows : 2. The Plaintiff,  XXXX ( hereinafter XXXX ) is a resident of, North Dakota. 
3. The Defendant, Red River Collections , Inc. ( hereinafter Red River Collections ), is a North Dakota Corporation, with its principle place of business at XXXX XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX in XXXX County, North Dakota. 
4. This court has legal jurisdiction in this matter.

5. Red River Collections is a debt collector for XXXX XXXX. They allege XXXX owes {$990.00}. 
6. Red River Collections has reported said account as a negative remark on XXXX Credit Reports. 
7. By Red River Collections reporting inaccurate information regarding XXXX has caused Defamation and Financial Injury as outlined in the US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX. 
8. Said negative remark has been and is damaging to XXXX credit score. 
9. On XX/XX/2018, XXXX sent a letter to Red River Collections for validation of said account ; NO RESPONSE was received by Red River Collections. 
10. Evidence will show Red River Collections received the letter on XX/XX/2018 at XXXX XXXX 
11. Red River Collections failed to report to the credit reporting agencies the item was being disputed. 
12. Red River Collections failed to abide by Fair Credit Reporting Act Section 623 and Fair Debt Collection Practices Act Section 807 ( 8 ) by not reporting the item as disputed. 
13. They also violated Fair Debt Collection Practices Act Section 809 ( b ), FTC opinion letter Cass from XXXX by continuing collection activity when they sent the Plaintiff a Summons and Complaint on XX/XX/2018. 
14. Red River Collections still continues to damage XXXX credit score by reporting this Innacurate information to the credit bureaus. 
15. Failure to response to said letter violated the Fair Debt Collection Practices Act ( Section 807-8 ) and violated the Fair Credit Reporting Act ( Section 623-b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
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 account number XXXX, XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX 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

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 2022-11-11
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under Convergent Outsourcing and validation was requested as this was an account I did not recognize. I review my credit report again XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as a correctly belonging to me. Has my credit report been updated to reflect that the account is disputed and therefore 2nd Validation letter sent out this day. After reviewing credit report again in XX/XX/22 there have been no updates and account is still reflecting on my report. I dont believe this account belongs to me nor do I believe that the creator has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received providing that the account belongs to me and all information is correct.

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 2022-11-11
Company: EQUIFAX, INC.
State: RI
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:
After review of my EQUIFAX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted an affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 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 response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a 30 year construction loan with BBVA in XX/XX/2019. During the loan application process i was told that i had to get my loan to XXXX XXXX as thats all i would qualify for based on my LTV ratio. I got my build costs to this number. When the appraisal came back the property and plans appraised for a higher value then estimated so I was told by my mortgage broker at the bank that I now had an additional XXXX to spend on building the house. This took my loan to {>= $1,000,000}. At no time during the loan process or in any disclosures were there any additional closing costs or closing draws documented. 4 months after closing my loan i met with my builder to discuss funds used for construction and I thought he had lost XXXX as i was paying interest on XXXX  since i closed my loan. Come to find out BBVA took this XXXX and applied it to a closing draw. I communicated this issue to my broker and he and I were still on the same page that the money was supposed to go to build the house and that all closing costs were already paid. When we went further up the ladder at BBVA they said he did his ratios wrong and that he took equity into play when he shouldnt have. I have this phone conversation recorded between him and his boss. My broker clearly tell his boss that the XXXX was respresented to me as build costs and not to a closing draw however they are still unwilling to make it right. If you would like this phone recording please let me know as they clearly lied to me to get my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX Account number ( XXXX ), XXXX  account number XXXX XXXX ), XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX ), XXXX XXXX XXXX account number ( XXXX XXXX XXXX XXXX account number ( XXXX ) has violated my rights. 
15 U.S.C. 1681 section 602A 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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: Account status incorrect

Complaint:
According to the terms of the loan, the loan should show a status of forgiven ( or closed ) on my credit report. XXXX Bank has incorrectly reported the loan as a charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: Factor Trust
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:
XXXX XXXX XXXX XXXX ( Installment ) Accounts - negative accounts - closed - Summary XXXX XXXX XXXX Last Updated XXXX, 2022 XXXX, 2022 Payment Status Charge-off Unpaid balance reported as a loss by credit grantor Worst Delinquency Bad debt/collection Charge Off/Other Derog Balance {$1400.00} {$0.00} Credit Limit 15usci1681i 15usc1681ia 15usc1681i5 15usc1681b i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy 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
Consumer complaint received 2022-01-28
Company: WELLS FARGO & COMPANY
State: NJ
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:
I was a joint owner of account numbers XXXX and XXXX. The bank removed me from these accounts. I do not know why the removed me from these accounts. The previous joint numbers were XXXX and XXXX won this money through settlements, stocks, and other accounts. 

The bank was not supposed to close the account number XXXX Wells Fargo bank. These bank accounts are associated with pension, stock accounts, and other winnings that my father, XXXX XXXX XXXX and I have won. They are now allowing fraudulent usage of the checking accounts by someone other than my father and I. Someone used the account at an atm. There was {$12000.00} stolen. We are almost homeless.I need the money returned, to the account, to repair the home, purchase medicine and other personal care. I was a joint owner. Why did he allow someone to remove that much monetary funds from our joint account? My father and I are hurting emotionally, mentally, physically and psychologically.

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 2022-09-28
Company: Experian Information Solutions 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:
I have sent my police report showing where my identity was stolen along with letters. Still no update or response. They are not complying with the law. The continue to report this that does not belong to me as I have been stating for years and provided proof.

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 2023-02-01
Company: Experian Information Solutions 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:
WE JUST RECEIVED A MAILED PACKET O FTHE SAME INFORMATION SENT EMAIL FROM XXXX XXXX XXXX I WANTED TO COMPARE THE INFORMATION SENT VIA EMAIL TO THAT OF THE MAILED COPIES. 

AS SUSPECTED THERE HAVE BEEN EXCESSIVE MODIFICATION REGARDING THE TRUSTEES CASH RECEIPTS AND DISBURSEMENT REPORTS AND THE DOCKETS AS IT REFERS TO EVERY REAL AND COMMERCIAL PROPERTY AND DEBT ( WHICH SHOULD NOT HAVE EVEN BEEN A PART OF THIS COURT ORCHESTRATED FRAUDULENT BANKRUPTCY! EVEN THE FALSIFIED DOCUMENTS FOR A LOAND WE NEVER SIGNED FOR NOR RECEIVED WAS MODIFIED. 

DID XXXX XXXX XXXX REALLY THING I WOULD NOT COLLECT EVERY PIECE ON PAPER RELATED TO THIS CASE? THE MODIFIED DOCKET IS OFF THE CHAIN. 
WHENEVER YOU DEAL WITH XXXX YOU ALWAYS PRINT DAILY. 

I EVEN REPORTED THE MODIFICATION OF VARIOUS DOCUMENTS REGARDING THE MORTGAGE FRAUD AND MORE. OUR NAMES WERE FORGED, LIFTED XXXX INITIALS FORGE, THE DISPERSEMENT WERE DISPERED TO THE TRUSTEE, JUDGE AND TRUSTEE ; S ATTORNEY, WOW WEE! CAN'T WAIT TO SEE THE LOOK ON INDIVIDUALS FACES UPON COMPARISON! AGAIN, WE GAVE YOUR FIRM A CHANCE TO CLEAR THIS UP, BUT YOU DIDN'T. BEING CAVALIER DOES NOT WORK TO ANYONE 'S ADVANTAGE! 

GIVEN THE COURT DOCUMENTS WERE MODIFIED AND ALTERED THEY ARE NOT VALID IN ADDITION TO NOT BEING VALID BECAUSE THE XXXX HAS COMMITTED BANKRUPTCY FRAUD! YOU ALREADY KNOW. 

OUR COMPUTER AND PHONES ARE STILL BEING HACKED. THIS OCCURS WHEN XXXX IS IN HE NEIGHBORHOOD AT XXXX SUPPOSELY REPAIRING CABLE LIKE THEY WERE AGAIN TODAY! I ALREADY KNOW WHICH JUDGES AND LAWFIRMS ARE CONNECTED TO XXXX. LET 'S BE A LOT MORE CREATIVE! 

PLEASE STOP HARRASSSING US! NO RETAILATION WILL BE TOLERATED.

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 2018-08-25
Company: Experian Information Solutions Inc.
State: NC
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/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX AGAIN. When you call this company and speak to different people you get different answers to your questions.

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 2023-01-25
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: Account information incorrect

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 name : XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX Name : XXXX Account # XXXX, XXXX Name : XXXX XXXX XXXX Account # XXXX, XXXX Name : XXXX  Account number # XXXX, XXXX XXXX  XXXX XXXX Account XXXX, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: CT
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:
So on XX/XX/2022 I saw a lot of hard inquiries in my Equifax which got my attention and my score drop a lot so I wanted you guys to help me with this problem due that I wasnt aware of all those inquiries. 
The companies were XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and lastly XXXX. 
They were all in the month of XX/XX/2022. 
Now Im my XXXX XXXX also saying I have 28 hard inquires which is crazy, Ill attach all of them in the pictures, this is so sad for me is not helping me for my future, I just wan na have a good score and be normal. 
Hope you guys can help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX XXXX was bought by XXXX XXXX. 

XX/XX/XXXX I paid the {$110.00} bill with my bank. only owed {$100.00}. 
XX/XX/XXXX Payment processed, but was never posted. 
XX/XX/XXXX It popped up on my credit report. IC System refused to go back to the creditor to validate the debt. It was taken OFF my credit, but put back on XX/XX/XXXX. I'm in the process of buying the house. ICS wouldnt give me a phone number to expedite providing proof. 
XX/XX/XXXX IC Systems puts the account back on my credit report. XXXX would not let me dispute it online WITH the proof. XXXX says the dispute was satisfactorily validated. how? I have the documents. I want it removed AND compensation for the trouble.

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 2023-06-15
Company: Self Financial Inc.
State: FL
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:
ATLCAPBKSELF is a debt collection company that is based out of Texas, however I live in Florida. Thats a violation of 15 usc 1692 b ( 2 ). 
Second its a company that bought my debt without my consent which makes this identity theft. 
Last the information that they reported to the 3 credit bureaus are inaccurate. For example investigate : account #, account status, date opened, last reported, date last active, date of last payment. These columns are all inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We have tried to contact this company 40 times. The escrow company and selling agents plus buyers agents have tried contacting this company no answer all we need is a lien release document to close on our home the bank is Caliber Home Loans the property address is XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Registered owner : XXXX XXXX XXXX Original paid loan was from XXXX XXXX

Company response to consumer: Closed with explanation