BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Initiated a dispute with Equifax, via confirmation # XXXX, regarding a fraudulent item appearing on credit report as a victim of identity theft 42 U.S.C. 408a ( 8 ), florida statute 817.568, of an unrecognized claimant referred to as XXXX XXXX XXXX of a 15 U.S. Code 1692e counterfeit security of an account number XXXX for an defective claim to an alleged amount of {$130.00}. Made efforts to obtain information from both XX/XX/2020 and, Date : XX/XX/2020, XX/XX/2020 claimant XXXX XXXX and EQUIFAX credit reporting agency to validate alleged debt. XXXX XXXX XXXX refused to provide any information other than an old copy of an application they might of retrieved by hacking into a XXXX XXXX XXXX computer system, without any mention to how they had acquired my personal identifying information without my consent, nor any proof of their right, or how they acquired such right, under penalty and perjury, 15 USC 1692j, to use my name and identifying information, intellectual property, 15 U.S. Code 1125, to collect anything from me. I disputed the item several times with Equifax per 15 U.S. Code 1681g- 609 - a1 ( A ) who never provided me my right to full disclosure of the file to include any agreement between me and XXXX  XXXX XXXX to validate the alleged obligation and Equifax has refused to comply to remove or block the item that is injurious to my ability obtain credit. Since then Ive been denied credit cards and a mortgage. Equifax has conspired with XXXX XXXX XXXX 18 U.S.C. 241 and 242 to deprive me of my right as a natural person/consumer to XXXX credit ) defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. The credit discrimination received as a result of character assassination is further a restraint of trade caused by both parties is a breach of trust per 15 U.S.C 1 and an injury to me as an original creditor. I have also provided Equifax with an FTC identity theft report against the claimant and it was, 15 U.S. Code 1681c2, ignored per confirmation # XXXX without full disclosure. Neither party will comply with FCRA. This is emotionally distressing that neither will cooperate to provide accurate and complete information 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681i As I have disputed the completeness ( lacking proof of claim for use my valuable personal data or contractual agreement between me and claimant ) Both Equifax and XXXX XXXX XXXX has mismanaged my personal data and continues to injure me without remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Financial Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Financial Recovery Services , Inc. is trying to collect an old debt. They are trying to use intimidating tactics such as threatening to use a law firm to come after me for the debt. This letter was dated XX/XX/XXXX. They claim that I owe a charged-off debt from XXXX XXXX  in the amount of {$4500.00}. The amount was charged off on XX/XX/XXXX. This debt collector continues to hit my credit monthly and it is ruining my credit score. I have sent them a letter to ask for documentation from the original creditor of the debt I owe but haven't received anything yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$7900.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I 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. 
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 my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

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 2023-03-03
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:
This is my follow-up request to my prior complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, AP XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX 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 2021-10-22
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I haven't heard back about my XXXX verification wallet. It says it is still pending, and I will hear back about it in 1 or 2 business and 1 and 2 business days have been passed. My cash app tag is $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A company called Nelson, Cruz and Associates called me and said I had a 6 year old debt that if I didn't take the settlement offer they would sue me and take me to court in my home county. 

I have nothing from this company in writing stating anything about an old debt, just a phone call threatening me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any of the following items on an id theft report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8800.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company 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 2022-07-25
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
President Biden Have placed student loans on a moratorium, Navient has placed all of my loans as late payments which bring my score down on my credit reports. I spoke to someone a Navient and reminded them that Biden has a moratorium on student loans, they apologized but continued their erroneous practices. All student loans should be on a moratorium until XX/XX/2022, and this may possibly be extended. I am up for a government job and may be denied the job due to Navient practices. XX/XX/2022, I have taken a break from school. Navient is reporting that I am more than 90 days past due on my loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions 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 fair credit reporting act 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-07-25
Company: Investigative Concepts, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Applying for XXXX  XXXX 's License and twice thru background check I have a contempt of court show up that happened 15+ years ago thru previous divorce.How long does this stay on record? Bankruptcy comes off in 7 years WHY does a contempt of court b/c of bad marriage stay on for a life time?? Any help would be greatly appreciated Thank you God Bless XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-11-05
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:
I have disputed the late payment status reported on the account XXXX XXXX XXXX XXXX with the Equifax for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: AFNI INC.
State: MO
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 has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: GA
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/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 2023-07-03
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2022-07-25
Company: Experian Information Solutions Inc.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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 explanation
Consumer complaint received 2020-06-16
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX to payoff an outstanding charge off with American Honda Financial Corporation. The settlement was paid in full as agreed on XX/XX/2020 and XXXX confirmed that the debt had been settled. American Honda Financial Corporation, on the other hand, refuses to accept the settlement and is still reporting an outstanding balance of {$670.00} to the XXXX  credit bureau. They have also reported this account as a charge off on 11 different occasions, lowering my credit score each time it is reported.

I have been unable to contact American Honda Financial Corp by phone ( I have been on hold for up to 50 minutes at times ), their phone system was also down for a full week ( first week of XXXX ), and they have not responded to written correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Mishandling of payment check. Failure to apply payoff of loan in a timely manner. Payoff check was received on XX/XX/2021 and has not been applied to the account as of XX/XX/2021. 

XX/XX/2021. Payoff quote was obtained and check issued for payment in full. 

XX/XX/2021. XXXX  tracking receipt shows check was delivered on Monday XX/XX/XXXX at XXXX am signed by XXXX 

XX/XX/2021. Made a due monthly payment on the account. 

XX/XX/2021. Called company and inquired as to when the payoff payment would be applied to account. Representative stated they had " no record of receipt '' and it would take " 10 days to process after receipt. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative claimed they had " no record of receipt '' and the payment was " not yet received. '' XX/XX/2021. Called company again and inquired as to when payoff payment would be applied to account. Representative stated that they, " can not find and have lost the payment check. '' XX/XX/2021. As of XXXX XXXX payment has not been applied to the account. Next monthly payment is due by XX/XX/2021.

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I been a victim of Identity Theft! 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!

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 following 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!

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 2022-03-11
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage has changed hands multiple times and is currently serviced by NewRez. I have always had my mortgage payments on auto-pay and no issues with payments being on time. My XXXX score on XX/XX/XXXX, was XXXX. 
I started making inquiries in XXXX, XXXX, regarding refinancing my mortgage loan. I had reached out to XXXX and started the refinancing process. 
In XXXX, XXXX, without my knowledge or consent, NewRez took my account off auto-pay and put me on a forbearance program. I was made aware of this in XX/XX/XXXX, when they sent me a letter regarding their approval of my forbearance program. 
I called them immediately, and let them know I had not requested a forbearance program, to put my account back on auto-pay. I paid them both XX/XX/XXXX and XX/XX/XXXX 's payments. 
I was assured that I would not be penalized, nor would it impact my credit rating. 
On XX/XX/XXXX, I received an alert that my credit score had been impacted and had dropped XXXX points from a XXXX to a XXXX. I reviewed the reason behind my score decrease to discover that NewRez, despite their assurances that it was their mistake, and my credit rating would not be impacted, had reported my XX/XX/XXXX payment as 30 days overdue almost 1 year later. I have tried to resolve this with NewRez and have yet to receive a response from a live person who can resolve this.

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