BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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.

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 2023-11-02
Company: EQUIFAX, INC.
State: PA
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 consumer Right 's have been violated15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c8 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
US DEPARTMENT OF EDU XXXX Balance : {$4400.00} ; US DEPARTMENT OF EDU XXXX Balance : {$9600.00}.

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 explanation
Consumer complaint received 2022-12-19
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at
a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: AmeriCollect
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed all 3 in XX/XX/2022, if I am correct. AMERICOLLECT Last reported XX/XX/2022 {$1300.00} Open balance XXXX XXXX XXXX  Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$1000.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) AMERICOLLECT Last reported XX/XX/2022 {$500.00} Open balance XXXX  XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX mos ) A new federal law, the No Surprises Act, protects you from : emergency out-of-network medical bills including air ambulances, and non-emergency services at an in-network facility. 
It applies to self-insured health plans offered by employers as well as health insurance companies that offer fully insured individual and group plans. 

A facility ( such as a hospital or freestanding emergency room ( ER ) ) or a provider ( such as a doctor ) may not bill you more than your in-network cost sharing amount for emergency services, without requiring prior authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have documents and payment proof for every single transaction. 

My mortgage was merged over to Select Portfolio Servicing Inc on XX/XX/XXXX. 

In XXXX I paid a grand total of {$74000.00}. 

In XXXX I paid a grand total of {$330000.00} From XX/XX/XXXX - XX/XX/XXXX I paid a grand total of {$410000.00} I tracked all of this day to day in order to avoid all interest charges that were associated with this mortgage. 

On XX/XX/XXXX - I received my payoff statement showing that I overpaid my mortgage by {$48.00}. And Select Portfolio Servicing Inc. owes me {$48.00}. 

On XX/XX/XXXX my mortgage as officially Paid In Full with a XXXX balance. 

On XX/XX/XXXX I received my official XXXX balance Letter / Paid in Full Statement from Select Portfolio Servicing Inc . 

On XX/XX/XXXX I received my official Mortgage Statement from Select Portfolio Servicing Inc. showing that my mortgage is Paid in Full with a {$0.00} Balance. 

On XX/XX/XXXX, I finally received my full payment history showing all payments bringing my Mortgage to a XXXX balance {$0.00} Then, out of nowhere, I log into my Select Portfolio Servicing Inc. online account XX/XX/XXXX, and it shows that I magically have XXXX ( XXXX ) DIFFERENT MORTGAGE BALANCES as of yesterday Monday XX/XX/XXXX. 

The XXXX  ( XXXX ) different balances show the following : The XXXX balance shows that I have a principal balance of {$0.00} ( XXXX cent ). 

The XXXX balance shows that I am due a credit of {$180.00} as I overpaid my Mortgage on purpose to avoid interest. 

And the XXXX balance shows that I have a XXXX Balance / Paid in Full Account at {$0.00} This is where EVERYTHING becomes so suspicious, fraudulent and just outright nasty. 

After speaking to someone for over 35 minutes by the name of " XXXX '', they finally connect me with " XXXX XXXX '' who explained that yes I have a principal balance of {$0.00} and that this account will come to a close and be updated and marked as Paid in Full as of today XX/XX/XXXX. 

XXXX XXXX promised to call & no call at all. 

Then I log into my Select Portfolio Servicing Inc. account today and they have the AUDACITY to state that I now have a Mortgage Balance due for {$4700.00} and now my monthly mortgage payment went from {$2400.00} to {$98.00}???!!!! 

This is outright fraud, this is completely illegal, they refuse to show me any proof or documents and I will not stand for it. 

Just to prove them wrong and show them how illegal it is what theyre doing, I set up an automatic payment for {$4700.00} that will be paid tomorrow morning, XX/XX/XXXX. And I sent another {$10.00} wire transfer dated for today as Select Portfolio Servicing Inc. last payment always has to come via Certified check or wire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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:
XX/XX/2023 I contacted this company again regarding them reporting inaccurate information on my credit report and I was told that someone would call me back. I have attempted to make several calls to this company but no one has been able to provide me with the information but has threatened no to remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I had went into a dealership in XXXX Texas XXXX XXXX XXXX XXXX. The dealership got approval and I was going into dealership next day to sign paperwork. After I got to dealership, the bank rescinded deal. They stated that I had a charge off account with them. I have contacted the bank but no one can seem to help with find this past account. I even offered to add that into the loan I was approved for. I'm not sure what happen or if I even had a loan with this bank but something is not right.

Last 4 SSN : XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, 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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1986 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. 
I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: EQUIFAX, 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 information incorrect

Complaint:
In the first dispute letter I sent to Equifax I stated : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Equifax never validated the debt, now they're saying they will not be conducting further investigation into this particular account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable

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 2022-11-15
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used the bank 's electronic bill pay service to pay my rent. 

According to my landlord, the rent payments were not delivered on time and the landlord assessed late fees. 

The bank has not resolved this issue or reimbursed the late fees.

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 monetary relief
Consumer complaint received 2019-05-02
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The new servicing company on my mortgage, New Rez Financial, has been mistakenly applying my {$5000.00} monthly payment incorrectly by significantly over-applying amounts into the escrow account and under-applying amounts as additional principal payments. I have literally been trying to clear this up with them for over 6 months and I just keep on getting put on hold. I have made probably 20 calls to New Rez without any resolution

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/XXXX, I opened an individual credit card account with American Express. Initially, things seemed manageable, but circumstances took a downturn after losing a child. 

XX/XX/XXXX : The account balance was {$6900.00}, with a past due amount of {$1700.00}. It was marked as " CBG/> '' and rated as " COL, '' indicating that it was transferred to collection. 

XX/XX/XXXX : The balance decreased to {$4800.00}, with no past due amount. However, the exact remarks are unavailable, but it was still rated as " COL, '' indicating it remained in collection status. 

XX/XX/XXXX : The balance increased to {$5000.00}, with no past due amount. The remarks were " CLA<, '' and it was rated as " COL, '' indicating it was still in collection status. 

XX/XX/XXXX : The balance further increased to {$5200.00}, with a past due amount of {$170.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance grew to {$5300.00}, with a past due amount of {$380.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating continued collection status. 

XX/XX/XXXX : The balance reached {$5500.00}, with a past due amount of {$600.00}. The remarks were " PRL<, '' and it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance escalated to {$5700.00}, with a past due amount of {$820.00}. The remarks were " CBG/>, '' and it was rated as " COL, '' indicating persistent collection actions. 

XX/XX/XXXX : The balance was {$5800.00}, with a past due amount of {$1000.00}. Unfortunately, specific remarks are unavailable, but it was rated as " COL, '' indicating ongoing collection efforts. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1200.00}. The remarks were " PRL<, '' and it was rated as " C/O, '' signifying that it was charged off by the account provider. 

XX/XX/XXXX : The balance remained at {$5900.00}, with a past due amount of {$1500.00}. The remarks were " CBG/>, '' and it was rated as " C/O, '' indicating that it was charged off by the account provider. 

Amidst these challenging account events, XXXX assumed responsibility for managing and resolving the debt. They stepped in as a debt management agency, actively communicating with both me and American Express. Their involvement played a crucial role in facilitating discussions, negotiations, and establishing a clear path towards resolving the outstanding debt, despite the ongoing calls from American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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:
I am writing to you regarding my recent credit report. I found some discrepancies with several of accounts that are being reported on the major credit bureaus. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report and there is a requirement to remove any information that is remotely untrue, inaccurate, and unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I DONT RECOGNIZE THESE INQUIRIES, DELTE PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : 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