BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TX
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:
A letter was sent by MYSELF demanding late payments, CHARGE OFF accounts that are still reporting LATE payments monthly, and collections be removed. I was sent a letter that denied my request because " they do not think its me ''. A photo copy of my license was sent with this document as well. 
Demanding that charge off accounts reporting late payments monthly be removed, such as XXXX XXXX, XXXX XXXX immediantly Demanding late payments between XXXX be removed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  missouri XXXX XXXX XXXX XXXX removed immediantly. Collections accounts such as XXXX XXXX and XXXX XXXX XXXX be removed immediantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Blitt and Gaines, P.C.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023 I sent an email to XXXX disputing debts in letters from Blitt and Gaines dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying Blitt and Gaines was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from Blitt and Gaines in an attempt to verify the debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. This company purchased a debt that no longer exists. There are two accounts, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/XXXX I submitted a mortgage loan estimate request through XXXX XXXX XXXX XXXX ( XXXX ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at XXXX XXXX XXXX XXXX and was later told they could approve a third of what I wanted. Had I known or had any transparency from XXXX I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: CHERRY TECHNOLOGIES INC.
State: NC
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 answered an ad on XXXX for a facial for {$89.00}. I went in and received the services and paid for the services. I purchased XXXX more for which I paid. I was not aware that I had contracted with a financial company for services for which I did not receive. I tried to resolve this issue with XXXX and Cherry. Cherry said they paid XXXX and I had to get the money repaid by XXXX. I am a victim of predatory behavior as I am a senior on a fixed income. I spoke with XXXX and and owner and was assured the issue would be resolved. I kept being harrassed by Cherry Technologies and was reported to the credit bureau as written off and in collections. The credit bureau contacted me to inform me of this situation. My credit has been destroyed. I lost XXXX points. I am struggling to pay my bills working a part time job just to get by. My ambition is to pay my credit cards off. When I lost my job, I had excellent credit. But I was forced to live on credit cards until I could find gainful employment. Now this. My health is deteriorating because of this stress. These people saw an easy prey. Ruined me! I will never trust credit card companies again as they are in the business to enslave people who are in dire straights. This is absurd. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
Company: Experian Information Solutions Inc.
State: VA
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 : Account Name : XXXX XXXX Account Number : 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 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 2023-11-15
Company: Experian Information Solutions 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 my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days. 

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: In progress
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XXXX has been stealing money from me and my mother for at least the past XXXX years. He has filed my 2019 tax return, received fraudulent unemployment insurance funds in DC and Maryland under our names. Mostly he uses my XXXX account, which he made into a merchant account, to place charges against our accounts and receive funds which he then transfers into his own account. I have already filed complaints with the Federal Reserve Board and the IRS. I have also filed complaints with my local police departments in DC and Maryland, DC report number XXXX and XXXX XXXX XXXX report number XXXX. The target is XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in XXXX. My mother 's phone number is XXXX. My email which I just had to create is XXXX. It used to be XXXX. I am a XXXX in MD and DC. He has infiltrated my attorney filing system accounts ( Maryland E-filing ). This man used to be a family friend and has known me since before I was born so he knows all of our personal information. He has stolen at least {$87000.00} from us. I am in still in the process of marshalling evidence. I have downloaded a lot of data but this man is able to infiltrate into my home computer and either rearrange and/or delete my evidence. I am able to include some however which I am uploading now. I hope to receive a report number so I may supplement this complaint later with additional evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Empire Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have used this lender and was promised that he was going to give me a point by providing in lender credit at closing. He indicated and displayed the points would be given to me at closing since i don't want to buy the rate down at closing with the point. On my closing, I don't see the point in lender credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Kriya Capital, LLC
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had many issues with XXXX and their credit reporting errors and issues. I am never able to request a free copy of my credit report because each time that I attempt to XXXX has me send them proof of identity. Then, each time that I do so there still continues to be errors or issues either preventing my access to MY credit profile with their company and the right to file a dispute of erroneous information due to these continuous roadblock tactics. Today, I attempted to begin a dispute on an account that has since been deleted with other bureaus for inaccuracy, yet was told I have a NH ( no hit ) credit profile. This meaning that I don't have a credit profile at all, which can't be true if I check my XXXX credit profile and am able to see all of current credit accounts, along with ones that are inaccurate and fraudulent. The account in questions is Credence Resource Management for a XXXX XXXX account that I never owned, nor was ever contacted by them about opened in XXXX of XXXX, without my knowledge and then appeared on my credit report out of nowhere in XXXX of this year ( XXXX ). I have disputed it with other credit bureaus and it has since been deleted. However, am unable to do so with XXXX due to their constant credit profile roadblock tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter in the mail to this company Nationwide Credit Inc at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/2023 and XX/XX/2023 because I saw a collection account on my credit report from that they own. I explained that the collection account from them showed an original creditor as XXXX XXXX XXXX XXXX  and that I didn't recognize it so please send me information so I could try to verify it. I never heard back from them and this collection account is still causing damage my credit. I have worked very hard on my credit and am very upset that this error is still being shown and the company responsible for it won't respond to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was suspended on XX/XX/2022 due to suspicious activity. My account had {$12000.00}. The suspicious activity being gambling and withdrawing/depositing often from the same apps. This past year and a half I have been sports betting. I went on a very lucky fortunate run to make a good amount of money. The bank has asked me for identification which I provided. After this, they asked for an explanation of the funds that fund my gambling. I deposit and withdraw often from the same apps. I funded my gambling through the previous years of financial aid and work study I received from XXXX in XXXX. I gained near {$8000.00} from financial aid services and work study. I saved this money and used it for sports betting. Chime continues to ask for a source of income from the year 2022 but there is no source of income. I havent worked. My source of income has been sports betting. I used the {$8000.00} to make nearly {$40000.00} within a year. I used the money I saved from XXXX to go on a run of sports betting. I live in New Jersey where sports betting is legal. Ive showed them all the documents from my financial aid to show proof of how much I received. Also I live with my parents so I dont have any bills which is why I was able to save my financial aid and work study from previous years. I feel stuck in what to do next because the company keeps on asking for a source of income which isnt available. The source was my financial aid which they arent accepting as an answer.I worked hard for this and they are taking away my {$12000.00}. Ive showed them my sports betting winnings and account to show proof of how much Ive won this year. 

The bank closed my account on XX/XX/XXXX after I gave them an explanation of my funds. Chime also continues to ask me about a {$20000.00} withdrawal that I processed to XXXX XXXX XXXX. I opened an XXXX XXXXXXXX XXXX for protection and because XXXX has the best return rates in the country. I provided them with this answer and they keep on asking me the same question regarding why I withdrew {$20000.00}. I dont know what to do at this point. Chime isnt providing me with answers on what to do when Ive answered all their questions the past 3 months. They continue to ask the same questions even after the closure of the account and they have no good reason to keep my hard worked money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NJ
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.

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 non-monetary relief
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 
In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 
Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 
Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. 
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.

Please acknowledge that you have received this notice within 10 days.

Also keep in my that XXXX and others also continue to say that you verified the debt. Like how if I have no contact with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: MS
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:
Hello my name is XXXX XXXX I am writing to file a formal complaint regarding the inaccurate, incomplete, and unverifiable items that have been reported on my credit report. I am seeking the assistance of the Consumer Financial Protection Bureau ( CFPB ) in addressing these issues and ensuring that my credit report reflects accurate and reliable information. 

I have reviewed my credit report, obtained from Equifax, and identified several items that are in violation of the Fair Credit Reporting Act ( FCRA ). These items include specific inaccuracies, incomplete information, or unverifiable items i have identified. 

I want to emphasize that I have carefully reviewed my credit report and made a diligent effort to verify the accuracy of the reported information. I have personally gathered and retained all relevant documentation and records pertaining to my credit history. Furthermore, I affirm that I hold power of attorney over myself and no other individuals, ensuring that I have full authority to dispute these items on my own behalf. 

In accordance with the FCRA, I am formally submitting my disputes to both the credit reporting agency and the furnishers of the disputed information. I kindly request that the CFPB intervene and initiate an investigation into these matters. I am aware that the FCRA requires that the investigation be completed within 30 days, and I expect prompt attention to this matter to ensure a timely resolution.

Please be advised that I am prepared to provide any additional documentation or evidence that may be necessary to support my dispute. I am committed to resolving these discrepancies and restoring the accuracy of my credit report. 

I appreciate the crucial role that the CFPB plays in safeguarding consumer rights and ensuring fair and accurate credit reporting. I have confidence in your ability to address this matter effectively and advocate on my behalf. 

Thank you for your attention to this complaint. I look forward to a prompt resolution of this issue and the restoration of my credit report 's accuracy. I kindly request that all correspondences related to this complaint be sent to the address mentioned above.

Company response to consumer: Closed with non-monetary relief