BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-09
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
This is related to my previous complaint case number XXXX. See enclosed file upload. I have since titled my XXXX XXXX XXXX in XXXX and subsequently notified the Ford credit company representative, but the Ford credit company has yet to send them the electronic lien release, according to the XXXX DMV title bureau., as they agreed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: DISCOVER BANK
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/22 I was notified by Discover that my consent was required to provide discover with a signed copy of IRS Consent form 4506-C. I received both an email and an automated phone call requesting that I complete this form. I am very uncomfortable with a credit card company requesting a copy of my income tax return from the IRS. They stated in their email that " Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. '' When I contacted Discover they claim that all Discover credit card members were being asked to complete this form due to a federal regulation. Of course, no such federal regulation exists. As this request is a gross invasion of my financial and personal privacy, I promptly requested that Discover close both of my revolving credit accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
My credit report with Experian shows multiple invalid account that re causing detriment to my score. My Report is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as charge offs. All of that information is invalid. My report also shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported 4x on my report dated XX/XX/2020, XXXX and XX/XX/2020 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. None of the accounts mentions are valid. I have requested for Experian these inaccurate accounts or validate them, but have I gotten no response or action from Experian. This has cause detriment to my score.

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 2023-04-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2023 : Homeowner died intestate after serious illness. Ex-wife with no rights to property moved in, withheld information on pending foreclosure, damaged the house 's sewer system, dumped the deceased " household possessions outside the house, claimed rights to ownership, barred rightful heirs from coming into the house, moved in tenants and charged rent, illegally sold prescription medication of deceased, misrepresented identity and opened several credit card accounts in the deceased 's name, and refuses to provide all identification, tax records, income statements and real and private property of the deceased. 
XX/XX/2023 : Contacted XXXX XXXX XXXX Nationstar Mortgage, uploaded death certificate, reported hostile adverse possession of property and requested information on bringing the mortgage current while probate process was initiated. 
XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 emailed all documents proving adverse possession and XXXX XXXX rights to cure the delinquencies on the account to bring the mortgage current so that the rightful heirs inherit the property. 
XXXX XXXX representatives all refuse to acknowledge or work with deceased 's heirs to cure the past-due status, because they want to foreclose on the house and profit at the expense of the rightful heirs and in support of the illegal occupant.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: Rent Recovery Solutions
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Alleged Debt account number with Rent Recovery Solutions # XXXX I have tried to no avail over the last 3 years to have this debt removed from my credit report. I have practically begged this company to remove it and they just ignored me. 

Their only response has been if I am a victim of identity theft provide a police report and they will remove it. 

I even complained with the CFPB last year I will provide the complaint number at the end of this file. 

Last year I did not know my rights ; this year I do because I studied the Code of Federal Regulations. 

I affirm that I am a Natural Person and a Consumer.

I affirm that Rent Recovery Solutions has not provided Proof of Contract.

In the evidence I provide I show exactly which Laws they have broken.

I affirm each law that they broke point for point in my Affidavit of Truth that I have provided as evidence. 

I have sent all this evidence to Rent Recovery Solutions and I am currently in step 2 of an Administrative Process. Again I am contacting the CFPB because I know when I file a lawsuit the administrator Or Judge will ask how I have tried to reconcile this matter. 

I am exhausting all avenues of remedy, court is my last resort. After step three in this Administrative Process I will have a valuable claim. 

First and foremost Rent Recovery Solutions, llc has violated my 4th admendment rights.

I have the exhibits as proof. Rent Recovery has violated 15 usc 1692 j ( a ) they are using abusive and deceptive debt collection practices by reporting inaccurate information on my XXXX Report and has been reporting it for three years.

My main bone that I have to pick is Rent Recovery Solution, llc 's violation of 15 USC 1681 s ( 2 ) ( b ) ( i ) ( ii ). They are reporting inaccurate information on my Consumer Credit Report but they never verified by providing a proof of contract which I asked for several times.

I will be suing for Title 15 violations as well as damages. The amount I plan to sue for based on violations is {$340000.00}. I have attached the bill of particulars that I sent to them as well. 
My original complaint number with the CFPB from last year is XXXX submitted on XX/XX/XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
DEPARTMENT OF VETERAN AFFAIRS XX/XX/XXXX
XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: VA
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:
I requested proof of the alleged late status and I have not yet received any documentation. XXXX never sent documents in the mail, communicating the account status. I am requesting that the file be reviewed for accuracy and updated accordingly. The items reported and disputed were not validated by the credit reporting agencies nor XXXX. The late payments remain on my account with the credit bureaus and they have not been properly verified.

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 2021-10-09
Company: CCS Financial Services, Inc.
State: OH
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 third time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX. I have already disputed both accounts and XXXX XXXX # XXXX was removed and reinserted back on my credit report which is illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: NY
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 submitting this Complaint with the help of the CFPB to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts and information in question are as follows : 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 XXXXXX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts and information or authorize anyone else to do so on my behalf. I believe that this is a case of fraudulent activities and I am taking steps to report this to the authorities.

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX  : # 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 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 crime which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall it furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that information is inaccurate.

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 2023-01-16
Company: EQUIFAX, INC.
State: GA
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:
In accordance wit the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, 15 U.S.C 1681 section 602 A. states I have the right to Privacy! 5 U.S.C1681 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 items 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: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: NY
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:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: NY
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:
In XX/XX/XXXX, we made a deposit of {$1000.00} on our Chase credit card for a hut tub based on incomplete information provided by the salesman. He told us that it might be delayed but that a form we signed didn't really apply as the hot tub was in their showroom. We prepared the site and had electrical work done. 

We were told it was to be delivered and it was not. Finally, in XX/XX/XXXX we said we wanted a date certain or a refund. We were offered various concessions which we declined. We were then offered a full refund of $ XXXX SEE ATTACHED Exhibits L 1-3 ( as we paid other monies on another card ). The other bank is working to get us a refund. 

In part per Exhibits L, we were told that " We understand if these terms aren't acceptable we will gladly refund your deposit and allow you to cancel your hot tub order. '' Also, " It will be the full amount you paid and will be handled Monday. If it was on credit card it will be refunded to the same card. '' To this day, we have no tub and no refund. Despite this, Chase claims the charge was valid! SEE ATTACHED letter of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
NATIONAL CREDIT SYSTEM {$3200.00} I do not owe this company any money because I never signed a contract with them, I do not owe the original creditor any money because the account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Equafax to report inaccurate information on my personal information section of my credit report. 
.

There were 5 different variations of my name, only one was accurate. There are phone numbers and I don't own or recognize on my report. And and address of XXXX XXXX XXXX address on my personal information that is not my address. 

XXXX fax said I should file a report with the fpb since I believe it fraudulent. Send them the report number, and they will look into the information being invested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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'm a victim of identity theft. XXXX, XXXX fraudulently opened an installment loan in my name without my consent. I've repeatedly send letter, emails, phone calls, FTC report, Police reports, requesting them to close my account but they refuse to resolve the problem. In addition, they falsely report the info to my credit report with XXXX, Trans Union and XXXX to ruin my credit. 

They have emailed me at least 9 times with the same request for my IDs, which I have responded every time and mail by certified mail. The email address came from XXXX different addresses requesting same information, sometimes twice a day. They use robots to call me many times ( too many to count ), from many different numbers. XXXX  also send me letters telling to pay the loan that doesn't belong to me. 

They've recently updating my credit reports with false information like late payments to a loan that doesn't belong to me. I've research about their company reviews online, most of their customer responded that " they are a scam, a ripoff ''. 

My complaint also about XXXX. I've contacted them about the ID Theft and XXXX  fraudulent loan and disputed with them. I filed dispute with them over the phone, and on their website but both returned not " accurate ''. XXXX didn't handle the dispute fairly and accurately.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: NC
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 have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items

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