BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: MI
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:
I XXXX XXXX, consumer and natural person who is a victim of identity theft. XXXX, XXXX, and Equifax had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX, and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: Resurgent Capital Services L.P.
State: PA
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 requested debt validation and original contract from RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX  and was not supplied with it I did my own research and found it was a fradualant credit card account that I reported back in 2020. this is not my account and this needs to removed from my report immediately. I attached the original letter along with what was sent to me in response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection agency is trying to collect on a debt that is not mine. I've asked for documents verifying that in fact this is mine and they have not given me the documents I asked for. I have disputed this with the credit bureaus multiple times but the account still remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: CASHCALL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was notified in XX/XX/XXXX I owed a debt from a personal loan of XXXX dollars. I made payment arrangements to the company of XXXX a month which was XXXX XXXX XXXX a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through XXXX XXXX in XX/XX/XXXX and they were confirmed through XXXX XXXX XXXX XXXX  I owed XXXX and my payment would be XXXX towards the law firm every month. I recently wanted to know my balance as of today with XXXX XXXX which they told me was XXXX left to this company. I call the company direct and they are telling me I owe XXXX dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the XXXX in full and not deal with this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: TX
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 inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: LFG Data Services Holdings, LP
State: MO
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:
Ive reached out to this company LCI that furnish my private information to XXXX credit agency its illegal and a violation of my rights under the fcra I did not authorize for that company to share my private information to the XXXX I spoke to a representative at XXXX and they said they got the info from LCI

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened an account with XXXX and made a purchase under a special financing agreement ( no interest for 18 months ). I established a direct payment through my checking account and payments were being made on time. At one point ( about 15 months in ), my direct payment arrangement was cancelled ( not by me ) and a payment was missed. As soon as I identified this I made a double payment to get back on schedule. For the last payment amount of {$120.00}, I did not receive my statement and did not make the payment on the XX/XX/XXXX deadline. My next statement received was on XX/XX/XXXX, and they had charged me with the full interest of {$260.00}, plus my remaining {$120.00} balance. As soon as that was received, I immediately called and filed a claim with XXXX XXXX XXXX ( associated with XXXX XXXX XXXX XXXX XXXX ), as well as, made a phone payment of the {$120.00} final payment amount. They stated I would receive a ruling by mail, which I never did. I just received another statement with a balance of {$260.00}. I called and spoke to a Sr account manager who stated my claim was denied, however agreed to remove half of the balance or ~ {$130.00} which I do appreciate. She stated that if I had called within 5 days, they would have removed it all. I did not receive the next statement until 7 days after the due date, so that would have been impossible. They said they would need proof of payment by XX/XX/XXXX, which I already told them I did not do because of not receiving the statement. I do not feel responsible for the remaining XXXX {$130.00} balance and am looking for assistance. I have a {$10000.00} credit limit at this store, but will not spend another penny if they don't make this right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-19
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw on my XXXX XXXX that Credence Resource Management is claiming I owe XXXX XXXX XXXX {$3400.00}. I never received any communications from them, and was only made aware of this alleged debt, when I checked my XXXX XXXX. I emailed Credence requesting copies of supposed signed contracts. They can not provide them. There are multiple phone numbers on this account that I am unfamiliar with and want to see copies of signed contracts they are claiming exist. I also requested copies of itemized bills and they have not provided them either. This account is fraudulent and Credence is currently being sued for these same actions against others in a class action suit. I am learning of this collection that is apparently from an account from 2008. They are in violation of numerous Federal laws and statutes, and they have just informed me via email, that they will not communicate with me anymore because I am demanding these documents which I am entitled by law to see. This account needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: CO
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 XXXXXXXX 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 15 U.S.C 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 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 2023-11-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 2022-04-27
Company: AMERICAN EXPRESS COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i am unable to get information i have been locked out of my account 2 times and the company wont discuss issue its a security issue on there end and refused to fix

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems , LLC being the original purchaser of this account from XXXX in XXXX had full control from it's in inception. Jefferson shared or gave either or this account with XXXX XXXX XXXX XXXX in XXXX, Texas, the XXXX of the world where XXXX was XXXX.. 
The account was PAID IN FULL on XX/XX/XXXX, XXXX See Cashiers Check and corresponding letter. Approx. 2 weeks later I began being harrassed by phone 20 calls per day, and harrassed in person ( with police reports to confirm ) and have continued to be harrassed in person to this day by 2 other companies that were the next to ones to contact me XXXX XXXX, XXXX. 
from XXXX XXXX, Iowa and XXXX XXXXXXXX XXXX. The serious in field harrassment has continued for years now..We are now filing this second complaint from the fitst set of complaints filed on XX/XX/XXXX with CFPB. Nthing has changed.. We are niw filing criminal complaints with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX . and the XXXX XXXX. XXXX XXXXXXXX XXXX along with a civil lawsuit in tbe amount of XXXX XXXX dollars for compensatory and personal damages. 
We have sworn testimony and video as well as photography over 6 years to prove it all..My legal name was changed back to my birth name in XXXX from XXXX XXXX to XXXX XXXX. No more games. Jefferson Capital Systems , LLC will take full responsibility for having taken over the original file from XXXX. At tbis point under the laws that govern this matter I don't care who they gave it to or shared or sold it to, Jefferson takes full responsibility for these illegal actions..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: AmeriHome Mortgage Company, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We applied for COVID 19 relief, we maintained contact with XXXX which was the company that bought our mortgage after our closing. In XXXX AmeriHome bought our mortgage and then ended the forbearance period without our knowledge and without even acknowledging even a change in mortgage companies. We got a letter stating forbearance ended and we now owe them a check for {$40000.00}. Without said check, we will be in foreclosure. Once we were made aware, we have been frantically trying to save our house. Amerhome promised a loan modification package that has not gotten to our house ( promised to be sent out by XX/XX/2022 ). Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against CREDENCE RESOURCE MANAGEMENT for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from 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 non-monetary relief
Consumer complaint received 2017-06-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX, a check for {$1000.00} dollars was forged by a person I have never met nor heard of, and withdrawn from my Chase Student Account. When I caught the fraudulent transaction on XXXX XXXX, I panicked.This was money used exclusively to pay my tuition for college and suddenly it was gone, so I immediately called Chase ( XXXX XXXX ) to report it. Chase assured me that I had done the right thing by filing immediately and closing my old account, they said all I needed was to send in an affidavit and they would get stated on returning my funds. I felt instant relief knowing that I had caught it in time. As of today, XXXX XXXX, XXXX I still have not received my funds despite doing everything Chase has requested and have been left with nothing but tears, frustration, and an outstanding bill with my University that I am unable to pay. When I mailed my affidavit to Chase on XXXX XXXX I thought I was on the road to resolution, so imagine my surprise when I called Chase in late XXXX for an update on my claim only to learn that the process had stalled since they 'd never received my affidavit. Upset, but understanding that mistakes can happen, I rushed in to fax my affidavit directly from a Chase branch which they received on XXXX XXXX. From here, a senior specialist assured me, Chase had 60-90 business days to process the claim and return my funds. With the end of my XXXX XXXX approaching I had finals and XXXX to think about, but I made sure to check in for updates with Chase ( there were never any ) and was left to wait until the 60-90 days were up on XXXX XXXX XXXX. Since then my claim has been " escalated '' 3 times with no resolution ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) and I have gone from being a loyal and content Chase customer, to an exhausted recent XXXX at her wits end. My college XXXX, what was supposed to be one of the happiest days of my life, is marred by the fact that I can not and will not receive my diploma-that I have worked four long years for- until my tuition balance is paid off, which I can not do without my funds from Chase. I have been so patient and understanding, and respectful with the hard working agents who have been fielding my multiple calls, but at this point it feels that Chase simply does n't care despite their thanks to me for being a " valued Chase customer. '' I do not feel valued. I feel used and exhausted and after nearly 7 months of this, I would simply like it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2023-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please remove these hard Inquries as I did not authorized them : 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 2022-08-16
Company: Velocity Portfolio Group
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX is reporting a collection in my report i had requested signed agreement and validation and they failed to provided me with the requested information. this debt was acquired without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I was  XXXX   years old  ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as  Natlcrsys on  my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage loan with  HSBC  and also I am approved for grant money form  XXXX   XXXX   County.   My closing date was  XXXX / XXXX /  XXXX  , and We did n't close because HSBC Bank could n't finish and send the correct information to  XXXX   XXXX  County. My realtor negotiated and extension, so the new closing date is  XXXX / XXXX /  XXXX  . For that to happened  XXXX   XXXX  County had to receive the documents last Friday  XXXX  they did n't receive it. Today  XXXX   XXXX  County received the documents but they did n't have all the information required, and also HSBC Bank asked for documents that I already sent to them, but I resend them anyway and ask them to hurry up.  XXXX   XXXX   County  need from HSBC a receipt from the appraisal, a correct form  XXXX , a correct form  XXXX , the home insurance amount to be corrected. Also the seller needs a commitment letter form HSBC bank for a new extension for the closing to be file. Please help if I do n't close I will lose my grant money!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: EQUIFAX, INC.
State: HI
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 payments on this XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. 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 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation