BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Experian Information Solutions Inc.
State: TX
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-09-12
Company: EQUIFAX, INC.
State: NC
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:
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 All 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 non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: NV
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:
I would like all fraudulent accounts and inquires removed from my credit file. I've sent certified letters and the information remains still.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Account was taken over by XXXX. Credit history showed account in good standing from XXXX XXXX through XXXX XXXX. In XXXX XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XXXX XXXX, and account showed current in XXXX XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.

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 2017-04-08
Company: ALLY FINANCIAL INC.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: MIDFIRST BANK
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Im XXXX XXXX my address is XXXX XXXX XXXX, XXXX CA XXXX. Im was on a deferral for long term XXXX for 11 months and started experiencing long term XXXX XXXX worse and My mortgage company says I can only have one more month for a total of 12 months under the program I requested 18 months I started my deferral before the deadline. They refused. I need your assistance. I have long term XXXX Im sick from it. Forbearance. 

Thank you 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 explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XXXX XXXX XXXX letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XXXX XXXX XXXX letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XXXX XXXX XXXX  letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XXXX XXXX XXXX, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2023-07-14
Company: Experian Information Solutions 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:
At this point the CRAs know, or should know, the information furnished by XXXX XXXX is false and/or misleading, and that the subsequent reporting of such false/misleading information causes me harm or is likely to cause me harm as a consumer. The precedent established within my Federal district makes clear that reporting of false/misleading information violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. XXXX XXXX XXXX XXXX 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). The CRAs have received multiple CFPB complaints regarding their persistence of this information and have been asked to remove it. Yet, they have neither conducted a reasonable investigation, nor taken action to remove the derogatory information, even when the information furnished by XXXX XXXX has been contradicted by XXXX own statements those statements, having been included as a part of my previous complaints to the CRAs. 

The full complaint is attached.

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 2020-10-25
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed a suit against XXXX for leaking my personal information in their XX/XX/XXXX security breach, as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XX/XX/XXXX XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XX/XX/XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-08
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Upon receipt of my XXXX Credit report, I discovered a Fraudulent account that was open at Discover Bank ( acct # XXXX XXXX without my knowledge or authorization. This Account was opened as a result of identity theft. Ive subsequently filed a local police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION on my XXXX  Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
AXXXX 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 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 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
Consumer complaint received 2023-07-14
Company: Experian Information Solutions 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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-04-08
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a XXXX in the amount of {$100000.00} from PayPal on Thursday XX/XX/XXXX that is a fraud account that someone used my name to open The Theft was by someone opening a PayPal account in my name in or around XX/XX/XXXX and I found out about it when I received a XXXX from PayPal with the amount that showed {$100000.00} had been alleged paid to me over a 2 month span in XXXX and XXXX of XXXX, I promptly called PayPal and turned it in as fraud! On Thursday XX/XX/XXXX. 
I also called PayPal on or about XXXX and filled out a FTC XXXX report on XX/XX/XXXX and sent a letter to PayPal with no response and called again on or about XX/XX/XXXX with them saying they couldnt find the account number, the company has not responded to me to date .I have filled out a police report on XX/XX/XXXX with my local police and my CPA says it needs reported by PayPal XXXX the FBI XXXX just need a corrected XXXX sent to me and the IRS XXXX XXXX filled in XXXX am a XXXX XXXX XXXX retired on RR XXXX and this can bankrupt me, they used my SS number apparently allowed by PayPal to XXXX this account with no credit check .please be aware of PayPals lack of security!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: Key 2 Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key 2 Recovery INC are attempting to EXTORT me and DESTROY my name as well as credit. Key 2 Recovery and I have never entered into any contractual agreement. They are attempting to EXTORT me out of {$670.00}, in doing so they have been calling harassing, bulling, and threatening me and my family about this fraudulent debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I was cashing a check to somebody and it was my first time cashing a check and I had sign the check with my name not knowing that it had to be the other person name and it had close my account saying I was doing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
In my last complaint, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}

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 2018-11-09
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: Information belongs to someone else

Complaint:
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), XXXX OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt, Dated this XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Comerica
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 at fraudulent transaction of {$2000.00} was charged to my direct express debit card by a company called XXXX XXXX in XXXX, ny. I have never heard or dealt with this company prior. I am in XXXX  in XXXX  for health issues. I tried called direct express XXXX numerous times and can't get through, also sent several emails, with no response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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: Account information incorrect

Complaint:
I am writing this letter to formally dispute the late payment entries on my XXXX account XXXX with account number XXXX. I am deeply concerned about the inaccurate and detrimental reporting of these late payments, which has negatively affected my credit history and financial standing. 

I believe that these late payments have been reported in violation of the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention the specific FCRA laws that pertain to this dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) - Reporting Accurate Information : This section mandates that consumer reporting agencies, including creditors like XXXX XXXX XXXX XXXX must provide accurate and complete information to credit reporting bureaus.

2. FCRA 611 ( a ) ( 1 ) ( B ) - Timely Reporting : According to this section, information furnished to consumer reporting agencies must be reported in a timely manner, ensuring that outdated or erroneous information is not included in credit reports.

3. FCRA 623 ( a ) ( 2 ) - Duty to Correct and Update Information : This section requires creditors to correct and update any information they have reported that is found to be inaccurate or incomplete.

4. FCRA 623 ( a ) ( 8 ) - Procedures for Disputing Information : The FCRA grants consumers the right to dispute any inaccurate or incomplete information on their credit reports, and creditors are obligated to investigate and rectify such disputes. 

I would like to emphasize that I have consistently made payments to XXXX XXXX XXXX on time, and any reported late payments are erroneous and misleading. These inaccuracies are damaging my creditworthiness and affecting my ability to secure loans, mortgages, and other financial opportunities. 

I hereby request that Equifax promptly conduct an investigation into the inaccurate late payment entries on my account, in accordance with FCRA 623 ( a ) ( 8 ). I expect a thorough and timely response to this dispute as mandated by law.

Failure to correct these inaccuracies within the required timeframe will leave me with no choice but to pursue legal action to protect my rights under the FCRA and seek damages for the harm caused to my creditworthiness and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: Cascade CISS Holdings, LLC
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 information incorrect

Complaint:
I had two accounts with the same account holder and they were sold in XXXX of 2022 to XXXX in which I set up payments with them in XXXX of 2022 as ACH direct drafts in I have never been late. The account has not report correctly to the repositories from the initial term of the agreement. The balance has never been updated nor are the payments being reported. I spoke with XXXX concerning the issue and was informed that they do report my payments to XXXX XXXX every 30 days and XXXX XXXX is to update my credit report. This has not occurred. They last update XXXX XXXX submitted to the credit agencies was 10 months ago. 
I have one payment remaining on each account that is not due until next month.

Company response to consumer: Closed with explanation