BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: NC
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-01
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit Report act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX 15 U.SC 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681c. ( A ) ( 1 ) States no consumer reporting agency may make any consumer report containing any of the following items 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 ) States that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have received more than one letter that my data set has been breached, most recently XX/XX/XXXX. I noticed on my credit report certain errors that keep coming back and inaccurate information. One error is XXXX is reoccurring delinquent bank account. I do not have any delinquent accounts, for over XXXX years. XXXX XXXX XXXX XXXX has not provided me with any notice of a debt. Largely in part because I did not have an open account with this company. Ref date of closure XX/XX/XXXX. 
I have asked for XXXX own investigation and review of that investigation and provide me with a copy, independent of the 'verifying company '. I Have Not Received Any Results. ( I have not received any documentation from the verifying company XXXX XXXX XXXX XXXX. ) All consent implied expressed written or otherwise has been revoked. NO ONE OR ENTITY HAS my consent to share documentation I have submitted REGARDLESS OF THE BUSINESS matter of course or any other reason. Because I have found that this information is not used for the purpose intended, I request to receive independent results without sharing the results to third parties, in accordance with the FCRA.

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 2024-01-14
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Repeated calls at night threatened me with arrest at my work. Harassing language said someone would come to my work to arrest me

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 2023-06-13
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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Thaxton Investment Corporation
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt was paid on XXXX settled with the original creditor in the amount of XXXX. 
Covington credit-19, i will attach a copy of the paid receipt, if you look at all three credit buerua it states settled and paid. 

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX is fraudulently trying to collect on a debt already satisfied please remove this entry from all three credit buraus thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
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 a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Shellpoint Partners, LLC
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:
Shellpoint mortgage servicing increased balance after I disputed incorrect balance and the refuse to correct after months of disputes. Sent me a nasty letter! All I wanted was the correct balance reported. There is report showing current but balance is more than it was in XX/XX/2019 after all payments have been made on time there is a XXXX discrepancy and XXXX  bases score on outstanding debt my score went down after they increased my balance please help trying to get my kid a house thank you

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 2023-02-09
Company: EQUIFAX, INC.
State: CA
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:
In my previous letters, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-02
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received an escrow statement from XXXX XXXX at the beginning of XXXX, 2021 indicating that I had a shortage in my escrow account and I needed to provide additional funds or my payment amount would increase. The statement indicated I needed a minimum payment of {$390.00} to set my new payment amount at {$1500.00}. I submitted a check for {$600.00}, which was cashed by XXXX XXXX on XX/XX/2021. Unfortunately XXXX XXXX applied the payment to principal. When I saw this mistake on my account on the website, I telephoned XXXX XXXXXXXX around XX/XX/2021 and asked why they had applied the payment to principal when I had submitted the payment with the escrow payment stub. They advised they would correct the problem and their records would be updated by XX/XX/XXXX. When my bank account was drafted for my XXXX, 2021 payment, XXXX XXXX withdrew {$1600.00}, which was the payment amount indicated on the escrow statement if I made no additional payments. I telephoned XXXX XXXX on XX/XX/2021 to again try and correct this issue. I spoke with a representative who said their records did not reflect this payment had been made. I waited over 40 minutes to speak with a supervisor to again correct this error. No one ever picked up the phone.

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 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On or about XX/XX/XXXX I applied for a loan modification with XXXX XXXX. I was given a trial period to make reduced payments and once I for-filled that trial, I was granted a modification which lowered my monthly mortgage payments. To my dismay, XXXX XXXX reported a total of 14 late payments during the time I was in an agreed upon trial modification, followed by reduced payments going forward. On or about XX/XX/XXXX, I reviewed my credit report and disputed the late payments. My dispute included several mortgage statements and our agreement which outlined the terms of the trial payments and the modified payments going forward. Unfortunately the dispute came back verified and no changes were made correcting this inaccurate information. I do not believe anyone reviewed my documents, however I have the proof all payments, during that time, were made on time and should be enough to remove the inaccurate information being reported on my credit report. This incorrect reporting by XXXX XXXX has caused me a great hardship and by me having a signed agreement outlining the modified payment and the lower mortgage payments, should be enough for XXXX XXXX to stop reporting late payments that were never late. 
In addition to XXXX XXXX reporting my on time modified payments late, they never charged me a late fee which should help prove my defense that they are reporting incorrectly on my credit report

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 2021-05-26
Company: JPMORGAN CHASE & CO.
State: PA
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:
I have an unknown hard inquiry from " Jpmcb Card '' ( aka Chase Bank ). I've contacted XXXX  last month on late XXXX to file a dispute and never heard back from them. I've recently contacted XXXX again on Tuesday XX/XX/2021 to follow up on the dispute. 

XXXX  stated they have submitted the request of deletion to the creditor " Jpmcb Card '' but they did not act on the request. I was referred and recommended to contact the FTC and to file a police report. I received the creditors information from XXXX  and will be contacting them tomorrow on XX/XX/2021. 



The contact information for the creditor " Jpmcb Card '' I'd received from XXXX  is : XXXX XXXX XXXX XXXX. 

Thank You for your help and time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the foll
owing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-15
Company: SYNCHRONY FINANCIAL
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:
lowes submitted a credit app without my approval, bank agreed and stated they would remove inquiry. it has been 4 months and still has not been removed. you handled my previous 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 non-monetary relief
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: WA
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:
XXXX XXXX Bank is reporting a charged-off account to the credit bureaus that I was never a responsible party on. I was only an Authorized User and not responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received a call from a man claiming to be from chase and asked if I had made a wire transfer. I said no so he walked me thru what he said was a reversal and had me note rev on the wire. I told him I wasnt comfortable and he told me to verify the number he called from was the number on the back of my chase debit card which it was. The wire was for {$3500.00} and a {$25.00} transaction fee. Once I realized I had been scammed I contacted chase on XX/XX/XXXX. Their wire fraud only communicates thru secure message on their app and they stated that the receiving bank, XXXX XXXX required a letter on indemnity. I was instructed to contact customer claims and ask that a letter be drafted and sent to XXXX XXXX. I did this on XX/XX/XXXX and was instructed to call be on XX/XX/XXXX to confirm the letter had been sent. When I called I was told that the letter had been drafted. I called again XX/XX/XXXX and was told that Chase no longer drafted such letters and it had been several years ago that they had stopped. I contacted thru secure message the wire fraud team and was told to once again contact customer claims. During this time period I had received 20 plus fraudulent calls from phone numbers associated with chase and I have had to shut off multiple debit cards over the last 3 months in fear of my card info being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out the loan in XXXX for $ XXXX I've paid {$250.00} a month since XXXX. 
Today, I owe {$19000.00}. 
The interest rate on my loan is currently XXXX. 

My debt has been bought from Sally Mae and sold at an unfair rate that I never approved. 

I lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. 
I can not make any more full payments. They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house 20+ times a day. 

They have called the police on me XXXX XX/XX/XXXX XXXX They will not let up, and now they are harassing my father. 

I am a single mom. I fear we will be homeless by the end of the year due to their predatory nature. 

How is this allowed?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Exeter 's website has failed to process payment several times resulting in late fees. I reported the error and sought guidance from their customer service team in XX/XX/XXXX on how I might submit payment. To date they have failed to remedy the situation. Neither their website nor customer service team disclose any reasonable alternative payment methods. 

I've got screenshots showing a variety of attempts to make payment via XXXX, XXXX, and XXXX XXXX, on XXXX XXXX, XXXX, and XXXX XX/XX/XXXX. The error message presented specifically states that the errors are the result of using an incompatible browser, which is inaccurate. The error message fails to make available any information regarding alternative methods through which to make payment. 

Their predatory tactics involve failing to apply payments accurately while an unwarranted fee is in dispute, making available an unreliable and broken online payment system, reporting inaccurate account balances, and failing to disclose reasonable alternatives for submitting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: ME
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 XXXX XXXX a natural person filing this complain about an alleged Medical debt that cause Grave distress against me, and inflict stress that resulted to me XXXX XXXX XXXX XXXX XXXX, at this moment this XXXX  Reporting agency fail to abide by congress law in reporting fair and accuracy information before disclose on my consumer report, they all so sided with the so call debt collector name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and cause me to lose financial stability even losing my apartment for not doing their do diligence. know one should have to deal with such distress.

Company response to consumer: Closed with explanation