BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023, I wrote a letter to all three of the credit reporting agencies : XXXX, XXXX and Equifax. 
I submitted a dispute about a student loan debt by the Dept. of Education under XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transaction Act, the credit reporting agencies are to report the accuracy of a debt. 
According to the Dept. of Education and XXXX my student loan has been paid off in full. 
The credit reporting agencies are refusing to update this information because the information would lower my debt-to-debt ratio ; therefore, allowing to improve my over credit score. 
The information the credit reporting agencies have sent to banks and other financial institutions is especially unfair to minorities. I have been denied credit for this reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: CA
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:
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 : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXXXXXX Balance Owed : {$100.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: GA
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:
My credit report appears to have been corrupted. I was looking over my records once more when I discovered many items that were not mine. Since I'm a stickler for details, I discovered that you are required by law to remove and prohibit any things that are determined to have been opened as a result of identity theft under section 605b of the FCRA. I do not own the objects in dispute. I've attached the FTC Report that you need ( found through additional research that both parties requested ). You should block or delete these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: IL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX and XXXX is attempting to collect a debt from me on behalf of JP Morgan Chase. However I am a creditor in XXXX and JP Morgan Chase is in possession of my stolen property and is violating my rights by trying to collect from me. This debt is currently being disputed in bankruptcy and there in an ongoing criminal trial and net they are debtors to me and committed massive fraud, so I owe them nothing. I do not wish to speak to anyone from either company, and any attempt to contact me is inappropriate and is harassment. Resolve the matter through XXXX, which is the restructuring agency. Also, you better revoke the toxic stuff you reported to credit bureaus about me not paying my debts on time. YOU DEFAULTED ON ME! YOU DON'T PAY YOUR DEBTS ON TIME! YOU ARE HARASSING ME! STOP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: IN
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given the option to put my loan in forbearance by Carrington Mortgage for the months of XXXX and XXXX. I took this option based upon added expenses. I was not asked to provide any paperwork to be eligible. 
when the forbearance plan ended I began to make my regular payments ( still making those payments ) despite the covid related expenses being present. 
I requested that the two months of payments be added to the end of loan. I was told that I only qualified for a repayment plan ( almost double my current plan ) based upon my income. I was told that I would be considered for the HAMP streamline refinance so that my payments could be placed at the end of the loan. Even though I have submitted the RMA paperwork twice, they are only considering me for a repayment plan ( twice ) despite me letting them know that I can not afford the offered month repayments. They now hang up on me, or are not being helpful at all during this process. They are trying to me me start the process over again. I admit that I might not have captured all of my " expenses '' on the RMA, but I can not afford the 4 month repayment because of my added expenses. Instead of them working with me to resave this, they continue to tell me to resubmit XXXX a 3rd ) RMA for consideration. 
This is very frustrating, and it seems as if they are not trying to assist me as a first time homeowner and borrower. please help ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XX/XX/2023 received a credit card for capital one I had not requested or applied for. This was done in Texas. They closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have sent XXXX XXXX dollars to XXXX in order to pay my student loan, I came to here as an international student and I am paying off my loan. I sent the money through XXXX service XXXX app, on XXXX XXXX and it was marked delivered on XX/XX/XXXX. Upon checking my XXXX bank account, these funds were not available in my account. I informed XXXX and they confirmed that the transaction was failed but they needed confirmation from their partner if the funds were sent back to them or retried to send to XXXX, I gave them more than 10 days now and called them every day to ask if they have processed a refund or sent to my account in XXXX, they keep on saying we can tell you by tomorrow but they do not update anything, just keep delaying everyday. This is mentally harassing and taxing for me and I am being charged interest every day that this money gets delayed. I am very stressed and request your help. I have proof of all transactions and bank statements to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
There is an account on my credit report XXXX that I never opened. It has a charge off of {$1100.00} with no balance, and the charge off occurred in less than 6 months of " opening '' of the account. When I XXXX XXXX  there are over 20 hits of people alleging fraud. I called Equifax on XX/XX/XXXX, reported the fraud. They emailed me on XX/XX/XXXX, telling me the dispute was won in favor of XXXX 

I asked to appeal ( by phone on XX/XX/XXXX ), and was told, they would start again, and ask for " paperwork ''. I do not trust them to correct the issue and wonder if the the people perpetrating the fraud are controlling the investigation ( at XXXX not Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: CA
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 have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/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 2021-06-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MIDLAND CREDIT MANAGEMENT has been flagging my account over and over for a debt that I have not validated. It has become harassment after I filed a dispute. This company all of sudden began flagging my credit reports daily to XXXX XXXX and XXXX  with multiple accounts without giving me my consumer rights prior with documentation to verify. Under section 809 of The Fair Debt Collection Practices Act, collection agencies are required to validate debts they are attempting to collect. If I did not validate the debt, they must remove all the collections accounts immediately from all bureaus from your credit report as this is a violation. Why is this company reporting to credit bureaus before communicating to me? Ive never heard from this debt collector before yet they claim it opened last year. Another lie. If I disputed, the debt was not validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: IA
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:
Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. 
List the account name here with the account # ( Do not list over XXXX accounts and XXXX inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent. 
Type this out exactly in this box of you want to input your info and remove instructional verbiage

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX with the Fair Credit Reporting act THESE Accounts have violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX15 USC 1681 Section 602a states I have the right to privacy.

*15 USC 1681 Section 604a Section 2 also states a consumer reporting agency can not Furnish a 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: LA
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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/XXXX. 
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

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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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. 
Account # XXXX XXXX XXXX XXXX with XXXX late payments XX/XX/XXXX, XX/XX/XXXX. 
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

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 2021-06-06
Company: Consolidated Recovery Group, LLC
State: GA
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:
A transaction between me and a business partner was made through XXXX on XX/XX/XXXX. In XX/XX/XXXX I started to receive letters and phone calls from XXXX  claiming I'm responsible for the balance that XXXX XXXX didn't pay. XXXX XXXX is a business partner owner of XXXX XXXX XXXX XXXX, my business is XXXX XXXX XXXX XXXX representatives explained to me several times that the transaction was fronted to me, and when they went to issue a check to XXXX  XXXX XXXX it was rejected. We went back and forward for a week or two. Then I presented a transaction that showed funds leaving " XXXX XXXX XXXX XXXX account into my account '' XXXX XXXX XXXX XXXX' which was processed on XX/XX/XXXX, which clearly proves that they lied about fronting me the money, which is why I don't trust this company. I even filed a complaint with XXXX XXXX XXXX, XXXX never responded, actually then proceeded to call me after they exhausted the time frame for XXXX  to interfere. I have spoke to XXXX XXXX and he explained that several disputes were made and he did receive refunds that had nothing to do with my company. Now XXXX  have reported this transaction on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: TN
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 called Equifax several times. When I log into my ( myequifax.com ) account, it shows an error " XXXX '' and asks me to call customer service. Well I have done this so many times with XXXX resolution. When I log into my account, it shows XXXX information. XXXX accounts at all. I have over XXXX creditors that report to my credit files for years now, and Equifax is refusing to fix this error and it's been 90 days now. The errors has apparrently been going on since XXXX of 2023. This is violating my consumer rights to view my credit reporting information and my Fico score. No one else can view my Equifax info either. It is keeping me from getting loans. This has severely violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Concerning this article : XXXX XXXX XXXX I am not able to access my Binance.US account and the funds within, as they are requiring me to retroactively agree to giving them and their third party affiliates my facial biometric data and Drivers License. I do not agree that I should be made to agree to something they have already done in order to access funds and tax forms. I have provided a screenshot with the notice I receive upon logging in, and here is a link to a XXXX post about this issue and some candid discussion surrounding it : XXXX  XXXX XXXX? XXXX XXXX XXXX XXXX XXXX Binance.US is breaking the law with this.

Company response to consumer: Closed with explanation