BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
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 XXXX XXXX - XXXX and XXXX Bank XXXX XXXX XXXX XXXX has 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: NY
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX CHILD SUPPORT XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$3900.00} ; ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
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:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$180.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$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 explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
File Number XXXX received on XX/XX/22 Concerning the " XXXX XXXX XXXX XXXX XXXX loan '' account, You stated it came back " verified ''. That has nothing to do with the dispute where I provided you with the FCRA Laws you have violated. So again, you chose to ignore willfully, this is a criminal act which is another violation. I am making it clear that I am disputing YOU for furnishing this account that goes against federal law. Again, Pursuant to 15 U.S.C 1681a states " report containing information solely as to transactions or experiences between the consumer and the person making the report '' is to be excluded from my consumer report. That has nothing to do with if the account is verified or not, you are still breaking the law by furnishing this account. I demand that address this issue with the LAW and remove this alleged debt from my consumer report.

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 2017-04-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a new home owner. My mortgage is {$830.00}, I Paid my mortgage through XX/XX/2017 in by XX/XX/2017. I signed into my mortgage account online and made a payment for XX/XX/2017 mortgage on XX/XX/2017, it cleared XX/XX/2017 through my bank. I thought that I was good for XX/XX/2017. After the XX/XX/XXXX mortagege cleared, they configured XX/XX/2017 payment which is {$910.00} and pulled it on XX/XX/XXXX instead of XX/XX/XXXX. They justified it by saying that I gave them autopay permission. So They will take that XX/XX/2017 payment 30 days early. They cleaned out my checking account and stated that if the check doesnt clear they will be resubmitting for the {$910.00}. Are you kidding me? I am not a time traveler, I havent lived in XX/XX/2017 yet so the bill is not due. I asked them why dont they take XX/XX/XXXX through XX/XX/XXXX in XX/XX/XXXX too? I dont owe them any money but they insist that they will present XX/XX/2017 mortgage again for payment if the funds dont clear. These people are vampires! They are monsters and they dont have any respect for the american consumer. I am a new home owner and I have been thinking ahead to stay current. I have never been late. 
I am a normal person and they took {$910.00} from my account on XX/XX/XXXX that was not due for 4 weeks a week after I paid them {$830.00} that they were due. They insist that they are correct for taking that XX/XX/XXXX payment 4 weeks early because I gave them autopay rights. {$1700.00} in one week. My budget is destroyed. How am I supposed to be responsible for my other bills when NationSTAR just took all of money plus the over draft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recently submitted a claim because Chime keeps finding ways to delay sending me my money from the account they closed. this has been going on for over 2 years now. I sent my passport, My drivers license, banking bills, insurance bills, ive sent over 10 documents to receive my check in the mail. Everytime I do this they find a reason why they cant verify the documents which is the same thing they were doing to me before, making me go in circles while holding all my money and refusing to return it. its criminal what they are doing and an absolute scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: American Location Specialists
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1 message was left on Monday, XX/XX/XXXX, on my phone. Another message was left Tuesday, XX/XX/XXXX, on my mothers phone. That same day, my phone was called, my daughters phone was called, my fathers phone was called and my job was called. The representative that called my job, told my coworker that I left that number as a contact. That was a lie! I called back and spoke with XXXX XXXX who identified himself as the other representatives supervisor. I told him I had no idea of what he was talking about. He said it was a debt I stop paying in XXXX. I told him I still did not know what he was talking about. He said he was going to file a judgement against me if I did not make a payment on that day. He gave me payment options and I told him I would have to call him back because I had no idea of what he was talking about. He called my job again today, XX/XX/XXXX, and told my coworker that I told him he could call me at that number. That is a lie! I did not give anyone authorization to contact me at my place of employment nor did I give permission for my ENTIRE family to be contacted. I do not know who these people are and they could cause me to lose my job. He called my phone 3 times, back to back today, XX/XX/XXXX. I want to report the lies and the constant phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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 recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are Portfolio Recovery Acct XXXX Bal {$400.00}, XXXX  # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXXXXXX  I submitted an online dispute via XXXXupload including the following : FTC ID THEFT REPORT, IDT 100 form, Division of Taxation notification. and a written statement. Between XXXX, the major credit reporting agencies ( CRAs ) responded. On XX/XX/XXXX Experian denied to block the information from being reported. Experian wrongfully assumed misrepresentation, error or receiving goods for completing the transaction and requested document that was provided with the dispute ( FTC report or police report, specific account, address and identity ). 

( XX/XX/XXXX @ XXXX EST ) I visited XXXX Police Department , 6th precinct. Sergeant XXXX reviewed the aforementioned documents and stated that I needed to retrieve proof of XXXX XXXX transactions from statements in order for the investigation to proceed. So I Called XXXX XXXX ( XX/XX/XXXX @ XXXX EST ) credit bureau dispute resolution center and spoke with XXXX , who confirmed that there was identity theft note in my file. I requested the necessary documents to no avail, then I was transferred to XXXX. XXXX did not have the right address on file since before XXXX. So I updated my address on file first. Next, XXXX stated that XXXX XXXX does not have transaction records anymore ; records were sent to the Attorney. I called the attorneys office, XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX @ XXXX EST ) requesting documents from XXXX . I never received the documents and Experian did not provide proof of methods used to investigate. I am a natural human being and I have autonomously created this complaint. 

I have included the following : proof of address ( Dept of Edu document ), proof of identity ( passport ), Experian " identity theft block '' denial letter, copy of my IDT 100, copy of my FTC Report, Division of Taxation notification

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 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
All of my student loans except for 2 private loans from XXXX XXXX have been put into forbearance because I am currently in school. But before this, in XXXX of XXXX I was place in XXXX XXXX  XXXX status and all my loans were cleared off except for the private loans because they told me that private loans couldn't be discharged. So I set up payment arrangements with them. 

Although I am still XXXX and have been since XXXX, and on permanent XXXX, I have re-enrolled in school. Because of doing this XXXX pulled me out of total permanent XXXX status and placed me in deferment. I have contacted XXXX XXXX twice through certified mail ( XXXX of XXXX and XXXX of XXXX ) and explained all of this to them and asked them if they could put me in deferment as well and they said no because I was in default. I told them I didn't know that I was in default status, and that no one ever contacted me about the loan being in re-payment status, I told them that I assumed all of my loans were discharged, and they said on the phone that private loans can't be discharged. I then told them that I am XXXX and still in school, but I could pay XXXX XXXX monthly, and I have been doing so for over a year now. 

They accepted that, yet they continue to put late fees on my credit report and mark me as delinquent every month. No one still has written me back to explain anything or answer any of my questions. 
The only reason I found out that they had placed me in default was because I noticed that my credit score kept going down, and continues to go down every month. I looked into why it was happening and discovered that it was because of the 2 private loans. I thought that once I got on a payment plan with this company they would stop marking me as delinquent as they said they would and do right by me, but they didn't and do not. 
XXXX XXXX keeps reporting me as missing payments, and this keeps lowering my credit score every single month, and causing me stress because it has effected my ability to move into a better place for me and my children.

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 2022-04-08
Company: Experian Information Solutions Inc.
State: MA
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:
They are sharing my personal information. 

15 U.S.C 1681 section 602 A. States i have the rigth 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 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-04-08
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after XX/XX/XXXX or 120 days after the COVID-19 national emergency ends. XXXX XXXX XXXX XXXX XXXX COMENITY CAPITIAL BANK/ ZALE is reporting a late payment to my credit report however I made payments during that time frame of the payment arrangement. I had follow all steps of making a valid payment arrangement via the cares act with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. Late and missed payments CAN NOT be reported if you have already made arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: WI
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:
Please see attached files I have reported numerous accounts, addresses and public records on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have a bankruptcy on my credit report reporting incorrectly. I have attached a letter regarding my request. Please either verify this public record, or, if it can not verified, remove this account from my credit report as by my right afforded to me under the FCRA

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 2023-03-09
Company: Experian Information Solutions 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 a victim of identity theft. My personal information was used to apply for fraudulent accounts with XXXX XXXX. I have been severely affected due negative impact on credit score and reputation. This fraudulent information on my credit report has caused me damages.

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 2020-03-24
Company: Illinois Collection Service, Inc.
State: AR
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 recently filed a an identity theft report after realizing my identity had been compromised and submitted it to all three credit bureaus ( XXXX, XXXX, an XXXX. I have also reached out to collection agencies who have   appeared to have ownership of the debt. For some reason this account is still displaying on my credit file and it should not be due to it being established through fraud or identity theft. It seems both the bureaus and collection agencies are violating the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are XXXX XXXX  Acct XXX Bal {$400.00}, ICS # XXXX Bal {$130.00}, XXXX XXXX # XXXX Bal {$440.00}, and XXXX Bal {$150.00}. These accounts are all associated with identity fraud I have submitted supporting documentation for the 2nd time to the three major consumer reporting agencies to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A bill for {$40.00} from XXXX XXXX XXXX XXXX for a clinic visit to refill medications, Service date XX/XX/XXXX ( along with a second XXXX XX/XX/XXXX that has been billed, but not been included in the dispute for some reason by the medical group for another clinic visit for the same amount, same reason and a third one, also not included, for {$480.00} where I was double billed for an office visit ) has been in dispute from the time I received it and the medical billing office has known that. They sent this first {$40.00} charge to collections even though I now have a XXXX XXXX XXXX about it on the XXXX of this month. The collections company is unreachable by phone due to a phone system that is so bad you can't reach anyone. I made several attempts last Friday XX/XX/XXXX when I received the letter. Phone number XXXX XXXX XXXX North American Credit Services XXXX XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I have constructed a letter that I will be sending tomorrow via a tracking number stating that the bill is in dispute. They need to be reachable by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MN
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 not a 14th Amendment Citizen and a Secured Party Creditor, I have all proper documents in public record. My FEE per Trespass is {$300000.00}. My LEGAL FICTION ALL CAPS NAME is now copyrighted and I placed a $ XXXX Lein against that PERSON... Any company, man or woman wants to use it, borrow it, or administrate it ... compensation is required. I gave XXXX many opportunities to Remove my information out of their database and remove their information off my credit report and if they did not... Tort Claims will be filed. They ignore me and have made no effort to contact I. Now Compensation is required for Administrating Property Without Right, Consent or Contract ( Trespass ) and they're ordered to remove their information off my credit report. 15 USC 1666 ( d ) HJR-192 of 1933 ALL DEBTS ARE PAID. There is no money in circulation by fact. Upstart is in violation of multiple title 15 codes + causing harm towards a man which is a CRIME by LAW.

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