BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: MI
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 my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-12
Company: AMERICAN EXPRESS COMPANY
State: GA
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:
These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX AMEX XX/XX/XXXX  I disputed them with the creditors and credit bureau but they remain on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: CA
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:
This is XXXX XXXX and I am submitting this CFPB compalint to you today to order the Credit Bureaus to update and correct the dispute accounts and infomration that are erroneously rep [ orting on my Credit reprort! I have been sending multiple lettes requesting that the Credit Bureaus reinvestigate the disputed accounts from my credit report as well as place temporarily remove or update these items from my report during the investigation period. As of this date, you have failed to respond to my request. Again, please reinvestigate if the following items are inaccurate, incomplete and outdated. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance {$0.00} Date Opened XX/XX/2014 XXXXXXXX XXXX  XXXX XXXX Balance {$8600.00} Date Opened XX/XX/2014 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I FILED A COMPLAINT ON XXXX XXXX, 2015 XXXX XXXX ) IN REFERNCE TO NATION STAR AND MY MODIFICATION PROCESS AND THE WAY IT WAS BEING HANDLED. AFTER THAT TIME I RECEIVED AND LETTER AND A CALL FROM NATION STAR STATING THEY DID N'T RECEIVE ALL THE DOCUMENTS FROM ME IN WHICH IT WAS N'T A TRUE FACT BECAUSE I WOULD N'T HAVE FILED WHEN I DID. SINCE THAT TIME I STARTED THE WHOLE MODIFICATION PROCESS OVER AND ATTENDED TO IT AGGRESSIVELY TO MAKE SURE IT GOT TO UNDERWRITING. MY MODIFICATION MADE IT TO UNDERWRITING ALL DOCUMENTS THAT WAS REQUESTED WAS RECEIVED. SO I HAVE TO CALL AND FOLLOW UP PERIODICALLY IN WHICH I DID AND I SPOKE TO A REPRESENTATIVE ON XXXX XXXX, 2015 AND WAS ADVISED THAT MY MODIFICATION WAS DENIED STATING THAT I DID N'T MAKE ENOUGH IN WHICH I ASKED HER CAN I HAVE THE DETAILS OF THIS DECISION AND I WAS TOLD THAT THEY SAID MY INCOME WAS {$3700.00} A MONTH IN WHICH IT IS NOT TRUE AND IS NOT IN MY MAKING HOME AFFORDABLE APPLICATION, NOR IS IT ON MY INCOME DOCUMENTS IN WHICH I HAVE PROVIDED. I HAVE A NET INCOME OF XXXX. XXXX A MONTH WHICH IS ENOUGH TO PAY MY BILLS. NATION STAR INSISIT IT 'S TRYING TO HELP HOMEOWNERS SAVE THERE HOMES, THIS WHOLE PROCESS HAS SAID OTHER WISE. I REALLY NEED HELP WITH THIS PROCESS ALL I 'M REQUESTING IS TO HAVE MY INCOME CALCULATED CORRECTLY AS STATED AND SHOWN IN MY APPLICATION PACKAGE AND ALSO I PROVIDED CURRENT TO DATE VALUES OF HOMES IN MY AREA TO GET A VALUE ON MY HOME BECAUSE IM UPSIDE DOWN IN VALUE AND ALSO THAT HELPS IN DETERMINING PAYMENT AMOUNTS. I PERSONALLY DID RESEARCH ON THIS GOVERMENTS MAKING HOME AFFORABLE PROGRAM AND IT STATES THAT IT EVEN HELPS A PERESON ON ( UNEMPLOYMENT ) HELP TO SAVE THERE HOME. IT 'S MADE TO GO THAT FAR AND THAT 'S GREAT ; BUT WITH NATION STAR THIS PROGRAM THAT 'S HERE TO HELP FAMILY 'S SUCH AS MINE IS BEING PRESENTED TO BE DISCOURAGING AND MENTALLY DAMAGING, BUT THIS COMPLAINT WILL INSIST THEY HERE TO HELP UNDER THIS GOVERMENTS PROGRAM ... ( PLEASE SOMEONE HELP ME WITH THIS PROCESS ), I HAVE DONE EVERYTHING THAT WAS ASKED OF ME, CALLED EVERYDAY, SENT ALL DOCUMENTS, SAT AND WAITED TO HAVE MY INCOME TAKING AWAY AND DEINED HELP ONCE AGAIN, TO HAVE MY FAMILY AND I ON THE STREETS ... THIS IS TOTALLY UNFAIR!!!! 

I HAVE ATTACHED THE MAKING HOME AFFORDABLE APPLICATION PROVIDING MY INCOME WHICH WAS NOT CORRECTLY APPLIED TO MY APPLICATION AND ALSO A COPY OF THE CURRENT VALUES OF THE HOMES IN MY AREA TO SUPPORT THE DOCUMENTS, ALONG WITH THE RMA APPLICATION ; TO HELP WITH MY CURRENT PAYMENTS OR TO HELP GET A CORRECT VALUE OF HOUSE IN MY AREA SUCH AS MINES. THE ATTACHED SUPPORTING DOCUMENTS THAT WAS PROVIDED TO NATION STAR TO HELP SUPPORT MY COMPLAINT. I WAS ONLY GIVEN CREDIT FOR {$3700.00} ; WHICH IS AN INCORRECT AMOUNT. IF YOU MINUS MY BOTTOM LINE NUMBER MY INCOME IS GREATER THAN WHAT WAS IMPOSED IN THE MAKING OF THEIR DECISION AND ALSO IF YOU 'RE MAKING A DECISION OFF CURRENT VALUES MY INCOME CAN WELL SUSTAIN MY MORTGAGE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
What the pandemic started and my capacity to earn money was disrupted, I requested forbearance, I was assigned to XXXX XXXX, the forbearance was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I requested for another 3 months forbearance, I understand that it was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I again requested for another 3 months extension and that the case was assigned to Ms XXXX XXXX, I spoke to her over the phone and she said that I will have to send {$2000.00} with a copy of my bank statement which I complied the company returned the check. I then called the company and I informed XXXX XXXX that I am in New York sick as I am diagnosed with XXXX XXXX at XXXX XXXX XXXX under the supervision of XXXX  Dr. XXXX XXXX. Mr. XXXX, told me to deposit the check in my account and he wants that by phone, I have to pay {$3900.00} to approve the the requested forbearance for XXXX, XXXX and XXXX that I requested. I did not comply as the procedure seems to be not normal. I am scared of losing my house as what I did is to sell my old house and use the entire proceeds of {$150000.00} plus another {$50000.00} for home improvement and the Covid 19 came. I am thinking of refinancing the house through reverse mortgage if I can qualify Lender SHELLPOINT MORTGAGE. 

XXXX XXXX advised me to disregard the alarming letters which he said automatically generated but Ms. XXXX letter intend to foreclose the property and the company is sending me mixed messages. 

I would be glad if the money I owe during the pandemic be placed at the end of the loan before its maturity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Brown and Joseph, Ltd
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company called Brown and Joseph from XXXX Illinois is claiming to represent XXXX XXXX. They have called me a least a dozen times and I have gotten a letter also claiming I owe {$1000.00}, I do not owe any money to XXXX and have confirmed this with XXXX, Sent receipt of cancelled XXXX comp that states this twice through emails to XXXX XXXX, XXXX. Been getting theses calls for the past 6weeks and the most recent was today, XX/XX/2023. This is no billing error, I am on auto pay with my other business policies through XXXX. It is a clear attempt of fraud. Reviews for Brown and Joseph have many people with the same experience, with many being duped into paying a fraudulent collection agency. Why are these people still in business? This is a criminal matter that is taking place on U.S. soil. Hoping justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
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:
This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for pXXXXurpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-07
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
debt collector had bad debt report on my credit report first, then sent notification afterwards trying to settle, not giving myself the opportunity to dispute the validity of this bad debt. I was not given notice, this bad debt was filed and charged off in bankruptcy file # XXXX. I received notice XX/XX/XXXX the notice date is XX/XX/XXXX but was already reporting negative on my credit report, not giving myself the chance to explain why this debt was invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: U.S. BANCORP
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
After receiving the car title, US Bank sent a letter saying a sales tax check in the amount of {$2700.00} from the lease was sent to Indiana Unclaimed Property in XX/XX/XXXX with a phone number to call. Indiana Unclaimed has no record of the transaction and suggested I contact US Bank to see about the check. This was in XX/XX/XXXX. 

I called US Bank. Multiple different customer service reps said they " elevated '' the matter to upper management and I would receive a call back. Those call backs have not happened and I have continued to follow up with them. 

On XX/XX/XXXX, I requested a case to be opened by US Bank to send me a copy of the cashed check or electronic transaction to Indiana Unclaimed Property since US Bank has continued to say Indiana Unclaimed has my money. It is case number XXXX. 

I have received no response concerning this case number. I spoke to another customer service representative on XX/XX/XXXX. She said the case was rejected because it was sent to the wrong department within US Bank. No one created another case to send it to the correct department. She said she spoke to upper management and I would receive a phone call by end of business XX/XX/XXXX. As usual, I have not received a phone call from anyone. 

I feel like I've exhausted all of my options with US Bank. I do not have the time or energy to call them every couple days, re-explain the problem, sit on the phone for 45 minutes, and have nothing accomplished. This is why I am asking for you help. 

Thank you!

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 2023-04-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent certified letters to all three bureaus about one item to be verified and received no feedback or results. The item is : XXXX XXXXXXXX XXXX # XXXX. I have NOT had this account.

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 2023-06-24
Company: EQUIFAX, INC.
State: CA
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:
This is my follow up request to XXXX that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company fraud department was contacted regarding the online purchases. However, there has been no response from them about any actions being taken to correct the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: Genesis FS Card Services, 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:
Hello, Gensis ( Milestone bank ) have a late payment on my account which is incorrect. The account was closed a month or so after I opened it. I called because a late payment showed on my credit report, they cleared the balance to {$0.00} and sent me a letter saying now the account is closed but did not remove it off my credit report. The late payment should not be on my credit report because the account should have been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: KY
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 my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-24
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Equidata, 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:
I just Check my Credit and I notice some fraudulent Activity. I have  Never use My Credit, there should be not be any accounts on my Credit I did Not give Anyone Authorization to open any Accounts using my personal Information I am a Victim of Identity Theft these Items should Not be on my Credit please help me fix this situation

Company response to consumer: Untimely response