BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The results are do to a motor vehicle accident that accrued in XXXX of 2019. I was the passenger and the XXXX  I was in was XXXX  by another vehicle. The total medical claim was for {$13000.00}. I should have not been responsible for any bills what so ever. This needs to be removed from my credit report please help resolve this for I have attempted several times. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
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:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2022-11-30
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX was incorrectly charged XXXX in property taxes XX/XX/XXXX problem was resolved with the county and a refund of XXXX was issued to my mortgage company They have refused to acknowledge the refund and adjusted my payment to reflect the higher tax amount which raised it XXXX. 

I emailed the corrected bill in XX/XX/XXXX. 

I contacted them by phone a number of times in XX/XX/XXXX and XX/XX/XXXX. 

I faxed correct figures from the county website XX/XX/XXXX to XXXX at PHH. 

I received my 2022 tax notice XXXX weeks ago and PHH website still does not reflect the correct tax amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Exeter Finance Corp.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and I received an adverse action letter from Exeter Financial. The letter states that Exeter is unable to approve financing for me, using information from a credit application that was done through XXXX. According to 15 USC 1691 ( a ) ( 3 ), it is unlawful to discriminate against an applicant with respect to ANY aspect of a credit transaction and because the applicant has in good faith exercised ANY right under the ECOA. This is even stated on the letter at the very bottom. I also noticed the part where it mentions a credit application. Credit and loan are not the same nor do they have the same definitions. A loan application is applying for a loan ; financing. A credit application is applying for credit. Pursuant to 15 USC 1602 ( f ), credit is defined as the right granted by a creditor. So if I filled out a credit application, why is there a mention of financing approval? Included in that application was my social security number. Obviously thats how my consumer report was pulled. Pursuant to 15 USC 1602 ( l ), a credit card is defined as ANY card, plate, coupon book, or other credit device used for obtaining money, property, or services ON CREDIT. If I am not mistaken, my social security card is indeed a credit card. So in order for Exeter to EXTEND credit, there needs to be a source of credit. That source is my social security card. In turn, making me the creditor. So theyre falsely claiming that they extend credit when thats not the case whatsoever. They are taking my credit source and denying me of my own credit based on information that is not verified. Finally, in the letter Exeter states that if they obtained information from a consumer reporting agency as part of their consideration, they will list the agencys information, which they did. Now the proceeding sentence states that the reporting agency played no part in Exeters decision and is unable to provide specific reasons for the denial of credit. According to 15 USC 1681m ( a ) ( 3 ) ( B ), the latter of that statement is correct but to say that the consumer reporting agency played no part is completely false and contradicting of the previous sentence. It also clearly states that Exeter obtained my credit score from this consumer reporting agency and used it in making our credit decision. So it seems as though the consumer reporting agency did in fact play a part in Exeters decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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:
All three reports- Equifax, XXXX, and XXXX- show a hard inquiry from XXXX XXXX on XX/XX/2023 for a credit card which I did not apply for. The XXXX report also shows a hard inquiry on the same date for XXXX XXXX XXXX. I have frozen my credit with all three bureaus and filed disputes with all three bureaus. I mailed a letter to XXXX XXXX, and I tried calling XXXX, but they were not very helpful. I am hoping to both prevent any additional fraudulent inquiries / account openings as well as have the fraudulent inquiries removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am theliving man, executor, beneficiary of XXXX XXXX. It has come to my attention that althoughI have written several letters asking for validation of debt, audit trails si am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws : 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts Or permissible purpose. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS : Original Creditor : XXXX ACOOUNT NUMBER : XXXX Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX  Account number : XXXX Please remove account. 

XXXX XXXX : XXXX Account XXXX : XXXX Please remove account. 

XXXX XXXX : XXXX Account number : XXXX Please remove account. 

Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Please remove account. 

Original Creditor : XXXX  Account Number : XXXX Please Remove account. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove account. 

UPDATE FOLLOWING ACCOUNTS TO XXXX DAYS, PAID ON TIME, PAID IN FULL as there was a billing error.

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 2021-10-17
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector

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 2023-11-20
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: In progress
Consumer complaint received 2023-10-05
Company: Torriere Holdings INC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023, Spire Recover Solutions contacted several members of my family to discuss the debt. On XX/XX/2023, they successfully reached my father and discussed the debt. They have been harassing me by means of constant phone calls, messages, and emails. They are using deceptive tactics such as number scrambling software to disguise the phone number they are calling from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I'm a single parent who was putting a way2go card program from XXXX XXXX  without my knowledge or approval. When I received the MasterCard last year I made several attempts to activate it and contact the company but it is virtually impossible because it's all an automated system. And it's also extremely confusing to do so I gave up. I got a letter from them today telling me that I have a balance available of {$1200.00} child support payment for my child. I called them up verified who I was got a very rude female customer rep requested a supervisor then she hung up on me after I told her I didn't understand how the program works or how to use or activate my card. I would like my money sent to me can a cashier 's check or make it available on a credit card to where I can speak to a live person that can help me use this card so I can provide for my XXXX  I'm also a XXXX XXXX veteran. This program never works for single parents like me all they do is charge is unnecessary fees and take for my XXXX  I have no idea why people continue to use these types of programs to take advantage of us. Someone needs to investigate this company for their on at the call in illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

XXXX XX/XX/XXXX via Transunion. 

XXXX XX/XX/XXXX via Transunion. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.

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 2023-11-20
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, ID XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC 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 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 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 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 XXXX Inquiry : XXXX XXXX, XXXX. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: In progress
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are a number of individuals dating in concert with XXXX  who have created, perpetrated and carried out a credit fraud scheme and synthetic identity theft that transcends the existing system for the purpose of personal gain and international coercion. These individuals have had illegal access to XXXX XXXX XXXX credit file and have been able to place accounts and other remarks on my report to act adversarially towards him while gaining ie obtaining of property and monies using this system. To my knowledge they are also controlling my physical and electronic communication meaning they are mail men and postal employees as well. I have had several credit monitoring services such as XXXX AND XXXX where this has taken place. I believe that there is a XXXX XXXX  and others from XXXX XXXX and the XXXX  and XXXX  who have been brokering and selling points to people. Plaintiff 's latest attempt to maintain his credit and identity and his use of XXXX XXXX services has produced the same result. After purchasing XXXX I observed several behaviors that repeated. They have added a company named XXXX XXXX  on an account paid in full as part of this scheme to monitor my credit illegally from this individual with access to my credit and who are fabricating my credit scores. This company is a front and ha been added as part of a scheme to control me socio economically from XXXX XXXX, This company has refused to respond to my notifications as well as your agency. the attached credit scores are fabricated and they are preventing me from Equifax as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted Experian on XX/XX/2021 about some negative accounts that I need them to investigate. It's been over 60 days since I send them the letter which I attached with this complaint along with my ID. I know that under the Federal Credit Reporting Act they need to complete their investigation in 30 days.

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 2023-11-20
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 status incorrect

Complaint:
Ive sent multiple rounds of letters through the three credit bureaus regarding my capital one accounts because I do not remember having these late payments and believe them to be inaccurate. Further, the reporting of these late payments is different between the three bureaus and was changed by date since I made my dispute. Not removed, but the months noted as late were simply switched.

I sent letters disputing these late payments on : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 The bureaus reported that the information was investigated and found accurate, but I have requested proof of method of investigation and and not received this material. 

XXXX XXXX is currently being sued by XXXX for reporting incorrect payments due to their internal system delaying payment received by customers who make their payments on time this is a widespread problem within the XXXX XXXX system. 

Please reference the case here : XXXX XXXX XXXX Knowing that this company is falsely reporting late payments in a way that is so widespread, a national company is suing them, only further validates my claim.

Company response to consumer: In progress
Consumer complaint received 2021-10-22
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BS '' D Hi to all I am having the worst bank relationship ever with XXXX/netspend. 
Did two 100 % Legitimate DD 's from payroll but wouldn't give me the bonus claiming that it didn't come as dd even though their computer categorized it as a dd. 
After complaining to XXXX  got the bonus but when trying to transfer to external Account was suddenly blocked as fraud and since then asking me for various documents. I sent them by email and then waiting to be able to transfer money. 
They never sent anything by mail I always had to call them and wait very long time and would get answers by representatives. Now they say that they need a colored copy of the documents. They closed my Account and are holding my money. After long time got a call from corporate office manager saying that my money will only be returned to my payroll account after getting a letter of indemnity from my employer as a another way of harassment and means for holding the money for a longer period. He too is not ready to send any official mail asking for documents but by phone only. 

Thx and b blessed

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