BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
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:
The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 
I submitted my documents on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied to refinance my student loans with Citizens Bank based on an offer sent in the mail. A component of this offer was a {$500.00} XXXX gift card. Rates are competitive, so this was the aspect that set Citizens apart from others like XXXX. I went to the website listed on the letter and got rates and later finished my application. 

Recently I followed up with Citizens on the status of the {$500.00} XXXX gift card. I was told I do not qualify because my application was routed through a third party they contract with ( XXXX? ). I have never communicated with this third party, nor have I heard of them. All Citizens was willing to tell me was that somehow my application went sent through them. As a customer I had no control over this. I followed the instructions on the offer letter and had no knowledge a third party became involved ( it is still unclear how or why this third party is involved ). 

It appears Citizens promoted an offer and then routed me to a third party in order to avoid honoring the offer. I also, of course, now have concerns about this third party having access to this data without my knowledge or permission. 

Citizens has been unwilling to remediate this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: OH
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 was a victim of identity theft. I got a alert from my fico that someone has stolen my identity. They charged all of my credit cards without my permission. After stealing my identity, I would like all of these removed from my credit profile.

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 2023-05-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am contacting you to request the deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information cease being reported on my consumer report, as their presence directly violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I urge you to take immediate action to delete and remove these accounts and information from my consumer report, as their inclusion continues to violate multiple laws. Please ensure the prompt removal of these accounts and information without delay.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX and I am a victim of identity theft. I pulled my background report through XXXX and discovered that I now have an alias that I was not aware of, which links back to a roommate that I had approximately four years back. There is also now a phone number and e-mail address that links me to my old roommate that I was not aware of. 

I have filed an identity theft complaint with the FTC, as well as XXXX 's free AIG identity theft insurance. I was able to place a credit freeze on my credit reports through XXXX and XXXX, however, Equifax is not allowing me to do so. 

I called them on XX/XX/2021 and tried to place a freeze on my report. What the agent informed me is that they want me to submit a request in writing that includes a cover letter, a copy of my ID, social security card and phone number before they will consider placing a freeze on my report. 

I tried to place a freeze online after speaking to the agent over the phone and Equifax will not allow me to place a freeze on my report. I am uploading a screenshot of what it said after I tried to initiate that freeze online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: IL
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Please remove it from my credit report. 1.This account should not be reporting on my credit report : XXXX XXXX XXXX  account number ( XXXX ). 2. I did not authorize this inquiry so please remove it : XXXX XXXX XXXX  dated XXXX. XXXX, XXXX. This information is resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been repeatedly contacted by this company and told them that i was not happy with the serviced provided in less than a year i had to return two devices to them and was repeatedly over charged the calls were so frequent that i had to change my number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I opened an account with Binance.US crypto trading exchange at the end of XX/XX/2021. My account was locked or disabled on XX/XX/2021, and my money had been held XXXX after I had successfully wired transfer money to their exchange on XX/XX/XXXX at XXXX. I had at least {$15000.00} or more on the exchange at the time. XXXX XXXX, I tried to logging into my account and it kept saying error. On XX/XX/XXXX & XXXX, I submitted a few tickets and reached out to customer support on XXXX for help. They responded saying they escalated my tickets within a day or so and sent a few emails to Re-verify my identity. I followed the various requests ( selfie and video holding my driver license ) and got an email confirmation on XX/XX/XXXX at XXXX with ticket # XXXX stating that my 2FA reset verification process is now completed and invited me to log back into my account. But when I clicked the link XXXX XXXX XXXX it said my account is disabled and to contact support. On XX/XX/XXXX at XXXX, I submitted another ticket # XXXX for customer support to resolve my case but I still havent received a single email confirmation from customer support since XX/XX/2021. I presented my case to customer support on XXXX and customer support had escalated my case on XX/XX/XXXX and has not been followed up within the XXXX hours as stated in the response. It has been re-escalated six or more times since and I still havent received XXXX single email confirmation from customer support. Ive noticed peoples cases on XXXX were escalated and resolved within XXXX hours because they stopped tweeting Binance XXXX about their accounts being locked. I feel my case is being ignored and discriminated. I had filed a complaint with XXXX  on XX/XX/2021. This has caused major financial, emotional, and XXXX distress in my life. I had emailed XXXX XXXX, XXXX XXXX ( Head of Regulatory and government Affairs ), XXXX XXXX ( compliance & risk manager ), and customer support every other day and still havent heard from them. I had reached out to XXXX XXXX and XXXX XXXX ( CEO ), and customer support on XXXX almost every day and got canned response we have escalated this to our team, cases usually receive response within XXXX. I still havent received a single email response since XX/XX/XXXX at XXXX. Please help me resolve this issue so I may resume back to my normal life. Thank you for understanding and looking forward to the update and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Remitly, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I CONTACTED REMITLY AS SOMEONE TOOK OUT MONEY FROM MY BANK ACCOUNT, XXXXXXXX  AND XXXX ON XXXX XXXX XXXX TH THAT I DID NOT AUTHORIZE NOR DID I EVER OPEN AN ACCOUNT BUT SOMEONE MUST HAVE GOT MY INFO AND DID THIS, AS I AM XXXX  YEARS OLD ON SS AND NOW I HAVE NO MONEY IN MY ACCOUNT AND I HOPE YOU CAN HELP ME WITH THIS MATTER AND GET MY MONEY BACK, THANK YOU, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Flagstar Bank, N.A.
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: Account information incorrect

Complaint:
In the month for XX/XX/2021. I was dealing with XXXX  XXXX XXXX complications but was able to submit my payment through flagstar online payment portal for some reason they are saying that they didn't receive the payment when I made the payment. They have added a late remark on my credit reporting when the payment was made. I would like the remark removed especially since I logged in to pay. They have no sympathy for anyone especially since I was sick and still managed to pay them throughout the entire Pandemic. This is not Company that is for the people.

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 2023-11-17
Company: Experian Information Solutions 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:
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 Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: In progress
Consumer complaint received 2023-01-07
Company: Williams & Fudge, Inc
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX is attempting to collect {$XXXX} through William and Fudge Inc. Collection agency and has fraudulently and erroneously reported a collection of {$XXXX} as owed for educational services never rendered or provided. I was notified of acceptance into XXXXXXXX XXXX 's program and informed the school in ample time that I was unable to complete their educational program due to XXXX illness and unemployment as a result of XXXX. However, XXXXXXXX XXXX continued to ignore my notification to the required parties and is fraudulently trying to collect {$XXXX} plus additional fees and interest for a service that was never provided and has reported a collection on all XXXX  credit bureaus for a debt never owed in violation of the Fair Credit Reporting Act despite notification of my withdrawal from their program and no receipt of any educational services as claimed by XXXX XXXX Despite notification that this debt was erroneously charged XXXX XXXX has ignored my notifications and seeking to a collect a debt that is not owed. Additionally, this collection is adversely affecting my credit and impacting my ability to secure affordable housing and other financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My federal student loans through XXXX were forgiven XX/XX/2023 but are still being reported as if not closed and show original balanced. I have asked the company to update all three credit bureaus and have been ignored. This information is inaccurate and needs to be updated immediately.

Company response to consumer: In progress
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 some of the information was erroneous. The XXXX 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-05-24
Company: PLANET HOME LENDING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home with XXXX XXXX, who sold my loan to XXXX, who then sold it to Planet Lending within the first 6 months of home ownership. I was never notified by phone or mail that my mortgage was sold. I had my mortgage payments auto drafted out of my account and I can attest to every payment being sent, and on time. I have provided this information on 3 occasions to Planet Lending. I have provided cleared check pictures from the bank. XXXX XXXX forwarded my payments, XXXX also forwarded the one payment they were responsible for. I have included XXXX and XXXX, who have provided dates and cleared check pictures from my bank of when the payments were forwarded to Planet Lending. 

I have been in contact with numerous XXXX representatives since XXXX and still do not have this issue resolved. However, they continuously call in regards to default. Planet has placed payments into suspensory accounts, Escrow, and applied payments to mortgage insurance, which we do not even have. They continuously tell me to call back tomorrow, or they are opening a review on my issues, that they are reviewing reversing the misapplied payments, and late charges. I have also asked to reverse the negative affect this has had on my credit score. XXXX XXXX it was a XXXX and now it is a XXXX. I was in an accident and total lost my truck, and once my cervical fracture heals, I will need to buy a new truck. With this credit score I will be unable to purchase another vehicle, which will affect my ability to return to work. 



I have notes regarding conversations from the following dates : XXXX XXXX XXXX Unknown date Unknown date XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXImmediately XXXX Absolutely nothing has been resolved and the credit scores of both parties on the mortgage are continuously being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XXXX I sent a letter to the credit agents requesting for them to update the inaccurate information on my credit report. They are reporting late payments on XXXX different accounts. I have not received any letter of method of verification. Due to these accounts were not update they violate FCRA, they are in violation of the law. 
These violations include but not limited to : 15 USC 1605 15 USC 8 15 USC 1692j I am frustrated because these accounts should be updated, and they are impacting my life.

Company response to consumer: In progress
Consumer complaint received 2021-06-19
Company: T.S. Holdings
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This company is attempting to collect money I do not owe this is a falsified debt and also I tried to contact this company and they began to threaten to sue me and they were very disrespectful to me. I asked to see proof of contract between me and the original creditor to see what was going on they didnt send any information I also asked to see proof of the original lease agreement I never received that as well. This is a clear violation of the FCRA and FDCPA they are using untruthful and unfair tactics in order to scam me out of money. I want to see all of the necessary proof that I requested which is my right and failure to produce those documents within 30 days could very well result in a lawsuit in which I will seek compensation for the damage that this company is doing to my life and my credit report. I want the original signed contract by me also I want the original lease agreement signed by me also I want to see the payment history between me and the alleged landlord or company that rented the place as wel as a copy of my ID Card used to obtain this service or property and my SSN card. They have violated numerous of my rights once they threatened me and tried to lie as if I really owed them this amount of money when I do not this is not my debt at all I am also requesting copies of the original security deposit receipt and the proof reimbursement receipt as well

Company response to consumer: Closed with explanation