BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: BARCLAYS BANK DELAWARE
State: MA
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: Problem with personal statement of dispute

Complaint:
During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been attempting to access my Equifax credit profile and been unable to, Equifax sent me a letter after I file a complaint stating that the unable to locate my credit file and stated I have not used credit in the last XXXX years that is false, stated I have not been assigned social security number, this is false as well or i have not applied for credit recently which is also false as I have been attempting to get a business loan and this is causing me issues and is how I discovered my Equifax profile disappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: MA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These inquiries below are fraudulent and werent made by me for transunion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries below are fraudulent and werent made by me for XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2022-02-13
Company: EQUIFAX, INC.
State: IL
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:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still don't know how or where this debt has been verified. I'm aware that these are both FCRA & FDCPA violations. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX  XXXX XXXX or the credit reporting agencies. I also have certified receipts from USPS for the letters I have been sending since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Reporting company used your report improperly

Complaint:
My name is 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: Experian Information Solutions 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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 explanation
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was scammed by an online investment, and after I realized the scam, I contacted Bank of America to stop any ongoing transactions if possible. But afterward, they investigated the claim and refused to pay me back due to my own authorization for purchasing the product. How am I supposed to know when I was being scammed at that moment, and the fraud department of BoA didn't have any actions on my any of transactions. They called me several times, but they never asked about any reasons for sending the money. THEY FINALLY LOCKED MY ACCOUNT after I transferred almost every dollar in my saving account due to " suspicious activities. '' I am furious about myself for trusting someone online and making those transactions but isn't the reason a fraud department existing in a bank should prevent this kind of situation? Again, they asked nothing about transactions, even though I sent out a total of 60k in one month.

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 2023-06-30
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I visited XXXX XXXX in XXXXXXXX XXXX in XX/XX/XXXX and provided all my XXXX XXXX ( XXXX ) insurance for treatment, paid my copay and left. Months later, XXXX XXXX XXXX XXXX Department sent me a bill of {$780.00} claiming that the insurance company had declined to pay. 
I contacted XXXX XXXX in XXXX, XXXX about it and they said that they had informed the XXXX that they needed to use the correct code and resubmit. The hospital never resubmitted the claim but kept sending me the bill. 
On or around XX/XX/XXXX I emailed the hospital billing representatives through the patient portal ( Attached copy of all correspondence ) and reiterated that I did NOT owe the debt and that XXXX had instructed the hospital to resubmit the claim with the correct code. We emailed back and forth and the final correspondence was with a representative identified as XXXX who stated that XXXX had sent the claim to billing/practitioner to review and resubmit the claim ( see attachment ) and that XXXX would get back to me as soon as possible. That was the last I heard from them. 
The next thing I got was a letter from Medical Revenue Services, a Debt Collector in XXXX and the collection listed on my credit report on all XXXX credit reporting bureaus. I am distressed and seriously injured by this action because of the XXXX 's negligence and failure to do their job. My credit rating has suffered and I can not fulfil my obligations to my family because. 
I would like XXXX XXXX and Medical Revenue Services ( MDS ) to immediately correct their mistakes, issue an apology and expeditiously remove this from my credit report with immediate effect. It looks like XXXX XXXX billing is out to ruin me and my family because they have also reported my wife to the credit bureaus using the same debt collection company ( MDS ) over a {$50000.00} claim incurred at XXXX XXXX XXXX they failed to submit to the insurance company. This is unacceptable and must stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: The Best Service Co.,Inc
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from a third party debt collector by the name of The Best Service Company from XXXX XXXX California. 
It states I owe XXXX from XXXX XXXX XXXX XXXX. 
To this date I have no knowledge or admittance of ownership of this debt. 
It states it was from XXXX and it states they are charging a additional XXXX in interest. 
I also checked with XXXX XXXX if this debt was listed with them, it shows nothing in their system.

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 2023-06-29
Company: EQUIFAX, INC.
State: NJ
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 Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It was already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a phone call from Finex Group LLC stating that I owe a debt on towing charges for a vehicle that I sold in XXXX. I let them know that I sold the car in XXXX and that I am not responsible for the debt owed as I submitted a release of liability form with the CA DMV at the time of sale. The car was found on a property in XXXX and I was notified by the local sheriffs department that the car was found. After a phone call with the CA DMV and Sheriffs Department, I was told I did not have any responsibility for the towing charges associated with the vehicle and that they will contact the buyer that I sold the car to in XXXX. ( The car was sold one more time after I sold it and both owners failed to register the vehicle ). The buyer that I sold the car to didnt have an address and refused to provide me an address, so the DMV advised that I list Transient on the release of liability to clear me of liability and it was successfully processed. Fast forward to XX/XX/XXXX. The employee that I spoke to at Finex Group LLC, XXXX, aggressively belittled me and argued saying that its my fault and responsibility for this debt even though the DMV and Sheriffs Department already cleared me of this responsibility. She asked me if I cared about my the negative impact this will put on my credit if I dont pay, which is a clear violation of the FDCPA. In addition, she stated that This debt is indisputable so [ you ] might as well get an attorney before I was even sent a letter and given a chance to dispute and investigate the debt that is not mine. This seems like an illegal and unfair attempt to collect a debt. Furthermore, I never received a bill or was ever contacted by the original towing company and had no idea of the charges. I filed a dispute with Finex Group LLC and they immediately invalidated my claim. Finex Group LLC used aggressive scare tactics and threatened a negative credit report if I didnt set up a payment plan that day for a debt that is not my responsibility and I would like this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: MD
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:
My name is XXXX XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. My date of birth is XX/XX/XXXX. My SSN is XXXX. I have contacted the credit reporting agencies ( Experian XXXX XXXX ) in regards to verifying all the information on my credit report and they did and stated that everything was accurate. I went ahead and pulled my credit report and did a thorough check on my own and find that there are several inaccurate information on my report even after they claim all the information was accurate. These are the accounts and information in question. 

*INACCURATE INFORMATION - NAMES ( Please Delete ALL ) XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX - Name ID # XXXX XXXX XXXX XXXX XXXX Name ID # XXXX *INACCURATE INFORMATION - ADDRESSES ( Please Delete ALL ) XXXX XXXX XXXX XXXX XXXX CA XXXX - Address ID # XXXX XXXX XXXX Way XXXX CA XXXX - Address ID # XXXX XXXXXXXX XXXX XXXX XXXX  XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX New XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX MD XXXX - Address ID # XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX ID # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX ID # XXXX *INACCURATE INFORMATION - DATE OF BIRTH ( Please Delete ) XXXX *INACCURATE INFORMATION - PHONE NUMBERS ( Please Delete ) ( XXXX ) XXXX ( XXXX ) XXXX *INACCURATE INFORMATION - EMPLOYERS ( Please Delete ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ACCOUNTS ( Please Delete ) Account Name : XXXX XXXX  Account Number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 
15 USC 1681 SECTION 604a SECTION 2, IT ALSO STATES THAT CONSUMER REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Prior to Covid, we had not missed a payment for years. Due to our line of work, once covid hit, our income was reduced to {$0.00} so I had to find another job while my XXXX XXXX XXXX was on hold. We contacted our servicer and asked for mortgage assistance in the form of a loan modification once it " appeared '' that the pandemic was over and we were once again receiving income from our XXXX XXXX XXXX. At the time of submission of the loan modification package, we had W2 income as well as our real estate income. Rates were at an ALL TIME low and based on the income that was provided, we would have easily qualified for a loan modification. However, our servicer, after repeated verbal and written requests by us, still would not use the full income that was provided. They only used the W2 income, not the real estate income. We had been in real estate for over a decade, the W2 income was for barely a year as we only went W2 because of the pandemic and its effect on our real estate income. 

They finally offered us a deferral of all past missed payments, including tax and insurance but refused to recalculate us for a loan modification so we submitted a complaint to CFPB and after XXXX  months of us pretty much begging them to use the correct income that was provided, they finally did. Rates at this time were on the rise and we were told that we still did not qualify for any type of a loan modification but stated they would still defer all missed payments on the back end of the loan. The letter was dated XX/XX/2022, with XXXX payment due and in just a few days, a XXXX payment would be due for a total of {$5700.00}. 

We requested that the bank please defer and make XXXX the XXXX payment as we are doing everything we can to keep our home, they refused. This servicer has done nothing but torment, harass and discriminate against us ever since we asked for their help. To send a letter on the XXXX, payment due, with another payment being due just a few days later, shows the lack of common sense that we have been dealing with. Servicers are supposed to do all they can to help American 's retain their home after the pandemic and this servicer has done the exact opposite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation