BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: LA
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 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, INC.
State: IL
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 due to the non compliance will Equifax, XXXX, XXXX. They have failed to remove information that I have requested. 

I question the accuracy and completeness of the report. I have attached a Public document with the Secretary of State proving that I hold all rights and titles, and interest to any account listed on the consumer report. I am the one and only true creditor. If there are any inconsistencies regarding my claim. Please have the debtor or the reporting agencies provide certified documents proving that they have a higher claim to than me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH
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: Problem with personal statement of dispute

Complaint:
AUTOMOTIVE CREDIT CORP. closed my account in XXXX due to voluntary repossession after Covid-19 pandemic of a commercial business vehicle that was a part of a company that didnt survive the pandemic. I dont feel this is a representation of my ability to maintain vehicle agreements due to the nature of the XXXX shutdown. This was written off of their books and debt was sold this shouldnt be 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 2023-04-03
Company: Paramount Recovery Systems, L.P.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: National Credit Systems,Inc.
State: AL
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:
Method of verification Highly Requested Under15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nameand address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below { XXXX XXXX XXXX  } Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt. 
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING. 
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance proceduresI am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under15U.S. Code 1681nand15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Someone stole my information and tried to open an account under my name with all the correct information from date of birth Social Security phone number address, but it is not 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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-04-03
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am self employed and often work remotely outside the reach of phone service or internet. I asked for an address and addressee of Shellpoint Mortgage Servicing, a division of NewRez, so I can send certified or registered mail to a person in change and or send me payment coupons so when I am out of service so to speak, I can interact in a secure way and assure that payments are made and received with a chain of evidence that such things took place ( return receipts, registered and certified mail receipts ). They said they can not do it that way, all I can do is mail or make online payments in checks money orders or wire transfers. This is an un workable option for me. They have no recourse for my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a FRAUDELENT XXXX charge for an unrequested security system installed in a newly purchased home ( without permission to enter the premises ) during a XXXX service call to initiate cable service in a XXXX XXXX premises. The technician gained entry when a remodeler let him in. They FORGED my signature to installation paperwork. I was not even on the premises! The home already had an active security system from XXXX so I certainly never wanted a second one! The XXXX XXXX has long since got rid of XXXX as the cable provider in the community due to many complaints by homeowners about poor service and corrupt billing practices. 

I spent several hours disputing this with XXXX and their collection agencies around XXXX and XXXX. They even tried to negotiate a reduction in the fraudulent bill for their fraudulent " service ''. This matter was finally settled once and for all with all the credit reporting agencies. Now XXXX is trying to revive this fraudulent bill once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
on XXXX 2023, XXXX XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX  XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX XXXX. 

i as a consumer is no longer by law responsible for this account after it has been transferred. Besides XXXX XXXX XXXX  did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX XXXX  did not verify my debt validation, and which shows XXXX XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously.

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 2023-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I transferred my monies from one savings account at Capital One to the 360 savings account also at Capital One. I then tried to add my daughter as joint account holder ( who was a joint account holder on the first savings account ) and designate my beneficiaries. I talked to two different customer service reps at two different times and they could not help me until I added my cell phone number so they could verify my identification. I did that and the phone number was added to the account on XX/XX/2023. When I would go online to add my daughter, it would not " recogniize '' my phone number, with a list of reasons for that happening, and direct my to call an XXXX number. I have called this number several times now and every customer service rep has tried something different and can not get this resolved. 
I have been to the XXXX downtown branch of " Capital One Cafe '' on three different occasions to talk to a service rep in person and they can not help me. 
This last attempt was on XX/XX/2023. I brought my daughter with me, my id and my cell phone They sent me a verification to my cell and they viewed my id, and pulled my my account on their laptop. I showed them the screen online where it won't take my cell phone for verification and it directed them to call the XXXX number. They did so. I am sitting right in front of them with my ID, my cell phone and my daughter with her id and they still can't help me get my information added. The last thing the service rep said was that the cell number needed to be in their system for 30 days before they could add my joint account holder and beneficiaries to my account. 
What? Is this even legal? How can they make me wait to put pertinent information on my account? 
I am XXXX years old and this has caused my considerable distress and loss of sleep for over a month now. I want to know that if anything happens to me, my daughter can access my account for any emergency that arises

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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:
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 items 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern I am writing to dispute the accuracy of the information on my credit report. Specifically, I am concerned about the false verification of information that is negatively affecting my credit score. 

According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute any inaccurate or incomplete information on their credit report with credit bureaus. Furthermore, Section 611 ( a ) ( 5 ) ( A ) requires credit bureaus to conduct a reasonable investigation into any disputed information and provide the consumer with a written report of the investigation 's results. 

In my case, I have disputed the accuracy of certain information on my credit report, and the credit bureau has verified it as accurate without conducting a reasonable investigation. This is a clear violation of FCRA Section 611 ( a ) ( 5 ) ( A ), which states that credit bureaus must investigate all disputes, including those deemed frivolous. 

Additionally, the credit bureau 's failure to investigate my dispute violates FCRA Section 611 ( a ) ( 6 ) ( B ), which requires credit bureaus to modify or delete any inaccurate or incomplete information within 30 days of receiving a dispute from a consumer. 

Therefore, I request that the false verified information be deleted from my credit report immediately in accordance with FCRA Section 611 ( a ) ( 6 ) ( B ) and that the credit bureau conducts a reasonable investigation into my dispute in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ). 

Thank you for your attention to this matter. i was shot and robbed my id was apart while i was in XXXX  my idenity was used

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: AES/PHEAA
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 attended the XXXX XXXX of XXXX from XX/XX/XXXX XX/XX/XXXX. I took out student loans to pay for tuition that I was consistently mislead and overcharged quarter after quarter, not realizing at the time because I trusted my financial advisor. I paid over {$2500.00} a month as well as taking out student loan and grants that I was not being informed on.I was given false information regarding these loans as being led to believe they were grants and not having to pay them back as well as paying partial tuition up front, ( cash ). I was also misleading on the entirety tuition cost as a whole. 
The XXXX XXXX promised its graduates MANY things that were never attained post graduation. I was told graduates would be placed in an industry-related job after graduation, and that did not happen. I had no help whatsoever with my job search after I graduated in XXXX. I was also promised prestigious, industry focused internships throughout my time at the XXXX XXXX of XXXX. This did not occur. The professors who had the industry connections did not assist with finding students internships. I found all of my own internships and externships with no assistance from the Institution. I now have over {$85000.00} in student loans that are not valid from an institute that has completely closed down, Nation wide and I can not do anything with this company, AES ( American Education Services ) because it is considered a private loan. So, I can not request a borrowers defense exception for the {$19000.00} that AES is requesting I pay them. 
I want this company to work with me and see this {$19000.00} student loan went to a fraudulent Institution that is no longer in business and I can not get a Job in my field of study. Therefore, I can not - and should not be held responsible. 
I am tired of the calls, threats from this company trying to use emails and scare tactics demanding I pay. This private school loan should not be held valid under my name nor I should be responsible because the institute was misleading and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-17
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had open an account and Navy Federal Credit Union and maintained my account until I was moved out of my home when I was not there and several weeks later I was incarcerated for a period of time. And during this time my card was used, checks were cashed in my name, a large amount of fraudulent charges were made and apparently the bank never flagged anything until several months later and my account was shut down and I was told I was not allowed to be a member of Navy Federal Credit Union any longer, especially after serving in the United States XXXX as long as I did being put out like that without anyone asking any questions or trying to fix the problem was very foul. Now I have over {$1000.00} owed and I had nothing to do with it along with several other accounts that someone stole my identity with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation