BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: LD Holdings Group, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint against Loan Depot LLC, complaint number XXXX XXXX. In short, due to no fault of my own, my payments were showing late ( several were returned by the company ) and they were charging me late fees. You received a response from Loan Depot saying that they would not waive late fees. You closed the case without considering my evidence that I had gone above and beyond to become current on the payments and requesting that Loan Depot waive my late fees. What do I need to do to get some action on this issue? I've now made two payments ( in an abundance of caution ) and I still have outstanding late fees despite every attempt to work with the company. 

Please review my file and let me know what my next steps are to get this resolved. If the CFPB will not intervene on my behalf, please provide me with contact information for the regulator so that I can get this resolved. 

I work in the financial services industry and am disappointed in the CFPB 's lack of follow-up on this issue. 

Thank you for reconsidering this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: KY
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 XXXX Account XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States i have the right to privacy.

! 5 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: TX
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 reference to XXXX collection account sold to XXXX XXXX account number ( XXXX ) in the amount of {$680.00}, as 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 a account without my written instructions, The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if : ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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: TN
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00}.

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 2023-05-23
Company: Experian Information Solutions 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: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XX/XX/XXXX unauthorized hard pulls and XXXX XXXXr XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason and XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX same reason. XXXX XXXX XX/XX/XXXX same reason. 
XXXX XXXX XX/XX/XXXX same thing. XXXX XXXX XX/XX/XXXX. 
I did not authorize the child support department to put nothing on my personal credit I never gave the my ssn. XXXX XXXX I never authorized them im unaware of this its not me. XXXX XXXX I this is unauthorized I don't know this place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2023, I contacted National Credit Audit Corporation regarding an alleged debt they claimed I owed. Due to being a victim of identity theft, I promptly requested a debt validation letter to verify the legitimacy of the purported debt. Regrettably, rather than cooperating with this request, their representatives responded with hostility, aggression, and a refusal to provide the necessary documentation. 

Throughout my discussions with their representatives, specifically XXXX and XXXX, I endured verbal abuse, raised voices, and intimidation. Their behavior was not only unprofessional but also deeply distressing. Despite attempting to communicate calmly and assert my rights under the FDCPA, I was met with further hostility, they raised their voices, yelled at me, and failed to address my legitimate concerns, and the calls were abruptly terminated on numerous occasions. 

Moreover, despite subsequent attempts to contact other representatives at National Credit Audit Corporation for assistance or clarification, I was consistently directed back to the individuals who had previously mistreated me. This created an environment of discomfort and apprehension, making it seemingly impossible to resolve this matter without facing further mistreatment. 

Furthermore, their insinuation that I was dishonest about the debt not belonging to me was profoundly distressing. As an identity theft victim, I am seeking resolution and clarification regarding the debts in question. Their refusal to cooperate, coupled with their disrespectful and abusive conduct, has compounded the distress caused by the initial identity theft incident. 

I firmly believe that National Credit Audit Corporation 's actions not only violate the FDCPA but also disregard fundamental ethical principles in their interactions with consumers. I respectfully request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are treated fairly and respectfully in accordance with the law. 

I kindly ask the CFPB to intervene and initiate an inquiry into the practices of National Credit Audit Corporation. I am also seeking your assistance in resolving this matter and obtaining the necessary validation of the debt as per my rights under the FDCPA and disputing it. 

Thank you for your immediate attention to this matter. I trust that the CFPB will take the necessary steps to address this issue and safeguard consumers from the unacceptable behavior exhibited by National Credit Audit Corporation. Below is the debt collector company. 

National Credit Audit Corporation XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
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:
Please remove this inquiry, I have no knowledge of this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A fraudulent mobile banking account with Bank of America was opened in my name this morning at XXXX. The account was granted by Bank of America and a debit card was issued. I have reported this issue to Bank of America and they have closed the account. This exact issue happened with Bank of America less than a year ago in XXXX of 2022. I have case numbers for both instances along with police reports. I was alerted about this fraudulent account via emails. Bank of America told me that there have been no transactions on the account at the time I reported it. As of last year, my credit has been frozen in XXXX, XXXX, XXXX, XXXX, and XXXX. This account should not have been approved based on the fact that all my data is frozen with the agencies used to verify my finances.

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 2022-12-30
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2018-05-04
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an attempt to collect from XXXX XXXX through a collection agency by the name of XXXX XXXX, XXXX They offer to settle a so called debt of {$5100.00} for the sum of {$1800.00} This debt was settled on XX/XX/2015. I have copy of dissmal document I believe XXXX XXXX XXXX by way of Convergent is trying to defraud and scam me

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 2023-09-12
Company: Experian Information Solutions Inc.
State: IL
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:
I have never done business with XXXXXXXX XXXX. I have never given them my social security number or my signature. So It needs to be deleted from my XXXX and my experian credit report. using the permissible purposes law 15 USC 1681b. Asap

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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-07-24
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: Account information incorrect

Complaint:
Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
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:
This is my 6th 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 alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-07-25
Company: EQUIFAX, INC.
State: FL
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 are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Duvera Billing Services, LLC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account DUVERA BILLING SERVI which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that DUVERA BILLING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 frozen and closed due to a fraudulent transaction. I filed a claim because someone used my account number for a fraudulent transfer. So the claim was resolved in a few days so I tried to withdraw my money from Bank of America. They froze my account and closed it. They tried to make it seem like I was the perpetrator in this matter. I received a letter saying my account was closed and so front. So I was like okay no problem I dont want to back with this horrible company as we all may know already. 2 representative said I was sent a check once my account was closed. Which was 3 weeks ago from todays date. I called them today to find out my funds was frozen as they validate where the funds came from. Its obvious where the funds came from. It was a wire from my XXXX XXXX account that I closed in order to have one bank. The representative said I have to call the other bank XXXX XXXX to get the money back. Its not possible to file a claim on a wire. Especially on a closed account. The amount is {$6500.00} in which I need.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2022-12-30
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:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yetI have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected toeliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered thisreport from a past letter and I am including it once more. I've educated my lawyer regarding my aims and theyare eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$270.00}

Company response to consumer: Closed with explanation