BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing because Equifax continues to break the FCRA. Obviously, this company feels they are above the law. After several dispute results saying the Chapter XXXX bankruptcy was " verified '' by XXXX - which is a flat out lie. So either they have not done an investigation or they just lie and send out form letters. I have enclosed a letter and proof from XXXX no bankruptcy is being reported in XXXX ; yet, Equifax continues to claim they are verifying the information through XXXX. Additionally, I also enclosed a letter from the court which states they have not provided any information to " any '' credit reporting agency. I would also like to report that XXXX  and XXXX  deleted the bankruptcy from my credit report, so how is Equifax verifying this public record? The FCRA states third parties can not be used to verify anything and all data provided must come from the furnisher of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I submitted a dispute to update the inaccurate spelling of my name. I also requested to remove old addresses that are inaccurate as well. I have sent three letters and now I am submitting my complaint.

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 2020-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX my card was charged XXXX and XX/XX/XXXX for XXXX by a company called XXXX which is now called XXXX XXXX XXXX for a ecommerce website to be built. Was told it would be completed by the end of XX/XX/XXXX. It is now XX/XX/XXXX, with no website and no refund. The company is ignoring my emails and calls. Bank of america says it falls outside their timeline to dispute. As of now XXXX has stolen this money from me and B of A will not take any recourse to help 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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-04-11
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
RENT RECOVER ACCOUNT NUMBERs :  XXXX   XXXX / XXXX / XXXX  Address :  XXXX   XXXX   XXXX   XXXX  #  XXXX ,  XXXX , GA  XXXX  Phone : (  XXXX  )  XXXX  Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act  Section 611 [ 15 USC 1681I ]. You   have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify RENT RECOVER or any company associate with this account #  XXXX  and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report N otice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to a n account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission RENT RECOVER  acc #    XXXX  or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.   Sincerely,  XXXX ,  XXXX   SOC  SEC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: GA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
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. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-04-10
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Myfedloan sent m y wife a secure message on   XXXX   XXXX   XXXX   letting her know she had until   XXXX   XXXX   XXXX   to re-certify her pay as you earn program. We filed our taxes and re-certified within the 10 day grace period on   XXXX   XXXX   XXXX  . We did the same process this year as we did the year prior that worked fine. We completed the application and gave permission to link to the IRS for our tax documents.  Myfedloans sta ted they never received the financial information because of a broken link with the IRS. Furthermore they said they tried to contact us  two reg arding the incomplete application. Both attempts via regular email, suspiciously not using the secure message system they set up to confirm receipt of important messages. We received the secure message in   XXXX   letting us know we needed to re-certify, and it was n't until yesterday (  X/X/XXXX  ) that we received a secure message stating our new payment would be over {$5000.00}. Our jaws dropped. We called immediately and found out the situation. We went back to   XXXX   downloaded our application from   XXXX   XXXX   and forwarded it a second time to myfedloans with the financial info they said they never got. They have since fixed the pay-as-you earn program for   XXXX  . However, because of their error or your error with the IRS, they are trying to charge us over {$5000.00} on  X/XX/XXXX  ) and they want to capitalize all her unpaid interest. This is nuts.. We did nothing wrong and fedloans is out of control. They are supposed to help civilians with their loans.. not throw the book at us when they have a system error. Additionally, I not only want to deal with the    XXXX   XXXX    high payment &amp; Interest Capitalization, but I need to also confirm all my qualifying payments under both the  PAYE a nd  Public Service PAYE progr am. Then I need to find out why my principle which was paid down to around   XXXX   XXXX   XXXX  was pushed back up to   XXXX   XXXX   XXXX  even before this erroneous interest capitalization occurs/occurred. A  FedLoan rep  told me in her words to not be nit picky about my balance discrepancy when I point that out while trying to resolve the other issues. Seriously?!?!? This has the lawsuit agains t  XXXX  w ritten all over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-29
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company has been calling for months even when I have been making payments and when I answer they will call and hang up just to see if the number on file works. I called to schedule a payment the representative took my account information and never put my payment on file i called XX/XX/23 @ XXXX. I called again the next day ( XX/XX/23 ) to cancel the payment because of my check being on hold and the new representative told me it was not a single note or payment arranged.I am in fear of my bank account information being out there. I do recall the call stating that it was being recorded. I told the representative to make sure they stop contacting me because I scheduled a payment. They even sent me another email after I told them to stop contacting me on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Remove the inaccurate information on my credit file that are fraudulent which are posted on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR CHILD SUPPORT SER XXXX  Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; AR OFF OF CHILDSPRT ENFO XXXX  Opened XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Inquiry : 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 non-monetary relief
Consumer complaint received 2020-03-09
Company: Ability Recovery Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I submitted my 1st complaint with Ability Recovery Services (  XXXX ) asking for VALIDATION as I'm entitled to. They stated in their response that they sent me itemized bills, which does not qualify as VALIDATION per the FCRA. I then submitted complaint number 2 ( XXXX ) letting them know that the itemized information they sent me does not qualify as validation and per the Federal laws concerning the FCRA, they are supposed to send me information bearing my signature that proves that I am the one that owe the alleged debt. This erroneous reported information has negatively affected my credit score and my inability to purchase a home. It has been over 30  days since I submitted complaint number 2 and Ability Recovery Services stated they would send me proof of VALIDATION. They have not done this and because of that, by law they have to delete all negative reporting accounts from all credit reporting agencies. If this goes unanswered, I will be contacting the XXXX   and my attorney is on standby to get involved. I can no longer have items that do not belong to me reporting negatively affecting me. Below is a link to the federal laws concerning the FCRA. 


https : //www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf

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 2023-02-10
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested a payoff quote on XX/XX/23. Mr. Cooper started sending advertisements regarding mortgage services and loans to my home address but not my payoff quote. I called on XX/XX/23 to inquire about my payoff quote and was told it was mailed to XXXX XXXX XXXX, XXXX, XXXX XXXX ( an old address not in use for over 8 years ). Mr. Cooper mails all of my mortgage statements to my home at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, yet did not mail the payoff quote to my address. I was told it would be a charge for an email quote, but it would be waived, they still did not email the payoff quote. I called again this morning and was told it was mailed to Indiana and I would have to pay for it to be emailed, they then hung up the phone and refuse to give me a payoff quote. This is holding up the sale of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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 my tenth 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 Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/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 2022-10-25
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : Opportunity to cure dishonor. This will be CHRYSLER CAPITAL only chance to settle this matter before XXXX XXXX files suit against this company in XXXX XXXX. XXXX XXXX is agreeable to a lump sum payment of {$30000.00} to settle this matter. Please contact me on or before XX/XX/2022 for purposes of settling this matter. If I do not hear from your company on or before the due date, XXXX XXXX will file a lawsuit against XXXX XXXX XXXX XXXX XXXXXXXX XXXX and CHRYSLER CAPITAL without further notice. It is in your company 's best interest to settle this matter before a lawsuit is filed to avoid legal, court fees plus violations costs ( attorneys fees for XXXX XXXX, CHRYSLER CAPITAL. Based on the foregoing, I accept payment in the amount of {$30000.00} made payable to XXXX XXXX, at my address XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX and send SATISFACTION AND RELEASE OF LIEN and report amount paid in full to my consumer credit report no longer than due date XX/XX/2022. I can also be reached at the email above If CHRYSLER CAPITAL decides to ignore this demand for payment, XXXX XXXX will further pursue all of its legal remedies without further notice to debtor. This letter serves as evidence that XXXX XXXX ' creditor has attempted to resolve this matter formally. 



1. Validation of the debt- that is, the actual accounting per GAAP XXXX 

2. Verification of your claim against me. A signed invoice or sworn affidavit. 

3. A copy of the contract binding both parties CHRYSLER CAPITAL and XXXX XXXX. 



1. I need full Disclosure. I was not told that I was actually creating the credit. 

2. Equal Consideration, CHRYSLER CAPITAL brought nothing of value to the table and CHRYSLER CAPITAL had nothing to lose. 

3. Law terms and conditions were based on fraud! 

4. The wet ink signature of both parties. 



Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for the willful and knowing violation. Im a federally protected consumer, I will demand discovery and a trial by jury.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Account activity from XX/XX/2023, onward is fraudulent on Capital One credit card ending in XXXX. I am not in possession of said card.

Company response to consumer: Closed with explanation