BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the Acoounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX 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 2023-06-23
Company: EQUIFAX, INC.
State: WA
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 they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: LEXISNEXIS
State: OH
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 writing to request to put a security freeze on my credit report. I'm also opting out of LexisNexis, XXXX XXXX, XXXX reporting. Under the FRCA you are required to comply. At this time I'm requesting a security pin be sent to my email address. XXXX. and only lifted per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2022-06-12
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Notice for Proof of Claim Account : XXXX XXXX XXXX and the balance of {$740.00}. 

To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Galaxy Capital Acquisitions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XX/XX/XXXX @ XXXX call from # XXXX I did not answer. XX/XX/2023 a XXXX XXXX @ XXXX called me on my cell phone from a # XXXX @ XXXX. She was the one who told me about their company she works for XXXX is trying to collect a DEBT. And she told me what the debt was about. 
Then below is the email she was telling me about they sent on XX/XX/2023. And I have attached the email they sent to me on XX/XX/2023 regarding that phone call, when she called me I DID NOT call their office. 

XXXX XXXX, 2023 received email from Spire Recovery Solutions Reference Number : XXXX Dear, XXXX This is a follow up attempt notifying you of your account that we're servicing. 

We'd love to help you get your THE XXXX XXXX XXXX XXXX XXXX Dental account resolved! 

You can log on the Customer Portal and setup a payment arrangement online. 

If the arrangement is not within your means, we'd be more than happy to work with you. 

Give us a call at XXXX. 

Don't feel like talking, text us at XXXX. 

Or chat with us on our website https www.spirerecoverysolutions.com Please use the above reference number when contacting us or when logging into our Customer Portal. 

Sign in to read your new secure message Here 's what it's about Your new account statement is available. 

We encourage you to sign in to read your secure message because it contains specific information about your account. You XXXX also contact our office at XXXX or chat with us on our website. 

View your secure message in XXXX ways From the XXXX XXXX XXXX XXXX app, go to an account and choose " Account Documents '' At Spire Recovery, just sign in to your account, click on your account and select " Account Documents ''. 
Don't have an account? Sign up today via our Customer Portal ABOUT THIS MESSAGE This service email gives you updates and information about your XXXX XXXX XXXX account. 

To protect your personal information, please don't reply to this email. Instead, use the mobile app or sign in to our online Customer Portal and complete a Contact Us form.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 had 2 collections less then XXXX XXXX XXXX removed from my credit report and my score dropped XXXX points. I called TransUnion and was told it was because of older accounts all over XXXX XXXX XXXX is why. That is a ridiculous answer in my opinion. I also was told I could not get a employee number or no way to verify who at TransUnion told this reason. That also ridiculous and not legal I believe. I am hiring an attorney to sue TransUnion do have or can you give me any recommendations as to were to look for a attorney. I also would like to if TransUnion can do what they did to my score

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 2022-08-15
Company: EQUIFAX, INC.
State: NJ
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 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: SANTANDER HOLDINGS USA, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I informed the company that I was a victim of fraud. The company claimed that they sent the three bureaus a letter to have them remove the hard inquiries from my credit report but nothing happened. Kept getting g the ru. Around by the company and the three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Capital One Attn : Disputes XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX please remove the hard inquiries from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received a letter from XXXX XXXX American Express saying they received my request for a card but need more information. This made me call Amex and they said a card had been openend in my name on XX/XX/XXXX and will arrive at my house XX/XX/XXXX. It is an American Express blue business cash card ending in XXXX. They are cancelling the card and investigating the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-22
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: Account information incorrect

Complaint:
To whom this may concern i want to inform your office that you are in violation of FCRA and FDCPA. You have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. 

You are reporting the following collections as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION. THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: SC
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:
Upon reviewing my credit report, I noticed that there are several errors on there that are severely impacting my credit. Please investigate these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: National Enterprise Systems, Inc.
State: TX
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:
On XX/XX/2023 I received a letter from National Enterprise Systems stating that I owe XXXX Bank {$150.00}. I did not give authorization for National Enterprise Systems to get information they are a third party and I never received information from XXXX Bank letting me know that they were sending information to third party. When I called National Enterprise Systems to get signed documents showing that I gave them authorization they never sent it to me. Now it is XX/XX/2023 and I would like this off my credit report it is giving me a negative report and would like to have this off immediately.

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 2023-09-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023 and also prior dates Comenity Bank continues to call me multiple times with one day. I had explain to them that I recently had a family death ( my son passed away ) and that I am also gathering all my debts to fill bankruptcy. I told them to please stop calling me and that my lawyer will reach out to them soon. But, it seems to be they dont care. 

Here is their contact information : Comenity Bank contact # XXXX XXXX at XXXX ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
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:
I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below is a full of list of inaccurate items from my Experian Credit Report. 

The addresses below are reporting on my credit and I have never lived at any of these addresses : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Card Date : XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX I Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX/XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX  XXXX Date : XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my Experian credit report : Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$580.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$460.00} Company : XXXX XXXX XXXX? 
Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} BELOW is a current account I have that is being reported as late. Which is false I recently purchased a new vehichle and have not missed a payment. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$19.00}, 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 2023-01-02
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I filed a complaint on XX/XX/2022 and explained that all XXXX bureaus were reporting a charged off account inaccurately due to me reaching out to the bank and them sending me a letter saying they cant find the account that is being reported. XXXX claimed to send results saying that the item was removed from my credit report but it wasnt. I have Documentation of the letter from the creditor stating they can not find the account associated with the negative account reporting on my credit reports. Equifax and XXXX both ignored the request and claimed to have updated but nothing was changed. Updating is unacceptable it needs to be removed ASAP. As I will remind you, XXXX XXXX XXXX # XXXX is furnishing inaccurate information on my credit report. Under the consumer law 15 U.S.C 1681 E section B explaining Compliance and Procedures. " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Attached is a letter of PROOF! that the creditor has no record of the alleged " charged off '' account and is inaccurately reporting it on my credit report. This has caused my family a and I severe harm due to this erroneous inaccuracy. The creditor is also in violation of Consumer Law 15 U.S.C 1681 s-2 ( a ) ( 1 ) ( A ) " 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 '' Please have all bureaus removed this inaccurate information. I have been disputing this for 2 years now and if it is not resolved I will Take legal action as it is my right to do so. It is in accurate information and they wont remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ive tried to contact the original company that did the modification and they are no longer in business to see why they added XXXX to my loan balance instead of putting that amount at the end of the loan. homeward/american home mort serv did the modification and they paper work show XXXX was being deferred to the end of the loan but that amount was added. ive called phh several times trying to understand why the amount was added and they keep giving me someone from another country and i dont understand them. they were showing XXXX different balances on my credit report and finally they fixed my cbr to show one mortgage. i dont understand how the balance keeps increasing and not decreasing. if im reaching out to the wrong agency can you please direct me to the correct agency to assist me. this is my second email asking for help to fix this loan. im not able to do a refi because of the loan amount. ive been in this home for 17 yrs and balance is increasing and i make my payment on time. ive been on the foreberance plan twice and they are adding that amount to the end of my loan so why wasnt the modification amount added to the end of the loan. im enclosing my original deed to show when i purchased the home and its not the month and year phh has on file ..the countXXXX i live is showing XX/XX/2006 so something is clearly not correct with this loan.

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 2020-11-23
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX at XXXX XXXX P.S.T. I spoke with my lender and requested they extend the forbearance plan I was on due to financial problems related to Covid-19 and confirmed with XXXX XXXX in the loss mitigation department at Shellpoint that the forbearance was extended to XX/XX/XXXX. However I just received word that they are now saying they have not notes of the forbearance being extended and have placed a sale date on my home. I believe this is illegal.

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