BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: NC
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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-01
Company: Creditor's Collection Service, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Creditors Collection Service , Inc. CCS holds several accounts for collection of unverified medical amounts listed in my name. 
In XX/XX/2021 I mailed debt disputes on these accounts requesting detailed accounting for all of the debts they have listed which are in question. After more than 60 days I have not recieved a response to my letters. In the past they have sent a one page letter that shows their account numbers and the amouts that are in question with which it is impossible to determine if they are my debts and the accuracy of these accounts. I needed more information but they refuse to give me any information at all yet they continue to report these accounts to the collection agencies. 

Address XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Va. XXXX Mailing Address XXXX XXXX XXXX XXXX, Va. 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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other request 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 items : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8900.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX, I received emails stating I had opened an account with Bank of America. I ignored them thinking they were scam emails until I received a debit card in the mail. After days of being on hold and not being able to speak to an actual person, I finally got through to a representative. They stated that they closed my account but offered no information about the account. A few weeks later, I received statements for that account. When I called back, I was told Well the account has a {$0.00} balance, so its not a big deal when it is in fact a big deal seeing how I did not open the account. XXXX of XXXX, I now have another account with Bank of America that has been opened without my consent. I made an appointment to talk to someone in a branch since I never received proof of the accounts being closed the first time this happened. A banker called to let me know that the branch can not close the account, and gave me a number to call and instructed me to keep pressing 0 until Im connected to a person. Again, I received 0 information about how these accounts keep getting opened in my name, to my address, without my consent.

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 2022-03-04
Company: Millco Management
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:
I pulled my consumer report, noticed Amerifinancial Solutions listed with an alleged debt. I contacted XXXX to have this account removed, as this is alleged identity theft, and per the FCRA this should be removed within 4 days. 

I also contacted AFS via phone, I attempted to provide them the information that THEY WERE REPORTING to my credit report, and before I could, the agent " XXXX '' was rude, she stated that the account was indeed NOT my account, but someone else 's. She also provided that they received the XXXX complaint and FTC report with the supporting documentation. I requested a cease and desist, to provide the documents ( medical ) that were used to verify & validate the account, and I also demanded to have the accounts blocked from reporting this fraudulent information to my consumer report. 

XXXX provided account information without VERIFYING my identity or confirming that I was the correct party on THEIR account. XXXX CONFIRMED on the RECORDED LINE that I was not the OWNER of this account. 

Address listed on credit report also does not match so how is it possible to remotely " verify '' this account when my name and address isn't valid?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: TN
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 submitting this CFPB Complaint letter to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX : {$320000.00} - Please check the Payment History information of this account. The late history shouldn't be showing late because I believe I paid on time. Please adjust the late payments from this account, I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 
XXXX XXXX XXXX XXXX : {$43.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently requested to get a credit increase with XXXX XXXX and they sent me a letter saying I was denied. Equifax Information Services reported my credit score being XXXX which is incorrect. at the time that I asked for the increase for XXXX  XXXX my credit score was and is now a XXXX with Equifax. This has caused me great injury and time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Loan agent said my current rate is 5.5 % and I would refi to 3.75 % dropping my payment amount {$150.00}. This was said on a recorded line from the mortgage company Carrington Mortgage. When the closer came out to my house with the paperwork, I noticed the rate was not what the loan agent told me we called the agent and he said he did not remember and I told the closer I wrote it down but I searched and could not find the paper I wrote it on. Days later I found the note. I called Carrington on XX/XX/21 and reported my issue. I want the recorded phone conversations reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : - Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; - Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Transunion is in violation of 15 USC 1681 ( A ) ( 2 ) ( B ). Furthermore, under investigative consumer reports : When a consumer report creates an investigative consumer report theyre not supposed to include faction information and theyre also supposed to interview your neighbors, friends, or associates. If any information from the investigation resulted as factual, it has to be excluded from the consumer report. I have made contact with Transunion and explained my rights as mentioned above demanding they remove the XXXX  account # XXXX, and inquires XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX  XXXX XX/XX/21, XXXX XXXX  XX/XX/21! Transunion has failed countless times to comply. 
Thank you,

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 2022-04-15
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called my mortgage company to make a half mortgage payment - that was to be applied to my account on XXXX ( it was approved by my mortgage company to pay in this manner and I have been doing so since XX/XX/XXXX when I was first approved for my loan modification ), with the understanding that I will call back on XX/XX/XXXX to make the 2nd half of the full mortgage payment. Well, when I called back on XX/XX/XXXX and made the XXXX half payment as promised, the customer service representative informed me that she was unable to find the payment that I made on XX/XX/XXXX to be credited on XX/XX/XXXX ; and to this day, I am being told that they can not find the payment. I was getting ready to make my XXXX payment XXXX minutes ago and now my online statement indicates an entire missing payment. I have submitted proof from my checking account that the payments have been electronically drafted from my checking account, but they still can not find them. I have since been charge a late fee and now the online portal will not allow me to make my XXXX payment without making the XXXX payment as well. 

I am very upset about having negative information on my mortgage account. Since my loan had been modified after my Covid-19 hardship forbearance, I have been making a concerted effort to make every payment on time. I am very frustrated and disappointed in this situation because it makes me feel extremely uneasy about having my mortgage with this company. I have never heard of such a thing as an entire mortgage payment being lost, despite my providing proof that I paid it. This is unacceptable, hence my filing of this complaint. Please help me make Shellpoint Mortgage recover my payment, credit my account and remove the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 request 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 ITEMS. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-02
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I received a call from XXXX at XXXXXXXX XXXX from someone who said he was from Receivable Management Services. I hung up on him. I XXXX the number and read they are an agency trying to collect on old debt. All my debt was recently dischargeded in bankruptcy and they should not be calling me. I have not received any debt validation from this company as required by law. I believe they trying to collect a debt they can not legally collect or this could be a scam. I don't know. I have not received a debt validation letter from them.

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 2021-03-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I mailed a dispute to Experian on XX/XX/2021 and was expecting to have the results of my dispute mailed to me. Experian refuses to mail the results to me. They have sent me multiple emails stating that my investigation results are ready to be viewed " online ''. I want my results mailed to me because I mailed the dispute request to them.

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 2022-04-11
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX - XXXX Reporting inaccurate information. This is a FCRA violation. I was Never late on XXXX, XXXX or XX/XX/XXXX or anytime!!!!!!!!! This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information.

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 2021-08-02
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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