BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: AZ
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 Account # 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 an account without my written instruction. 

The accounts that have violated my rights, will not share the information with me such as where the account came from, or account numbers are as follows. 

XXXX XXXX XXXX. they have harassed me and don't even show that that they were charging my card payments. 

XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports. 

XXXX XXXX Solutions, I made no written agreements to add this to my credit reports. 

XXXX XXXX XXXX, I made no written agreements to add this to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a call XX/XX/XXXX from NCS I answered and the gentlemen proceed with his lines. I explained that I did not have any idea what he was speaking of he got loud so I hung up. The person called back two more times back to back and left voice mails about the same thing. I called the company and asked to speak to a manager and was told that they did not have one they would have someone call me back. I contacted the company they spoke of XXXX that they said I had a balance with. It has been a year and a half and this debt was never sent to me and the company I contacted about the balance stated they must have started working the file. I left my forwarding address when I vacated the property if it was a balance they never sent me a bill in reference to the balance. I was informed when I called XX/XX/XXXX that they could send me a ledger with the information on it. My concern is that the collection company has poor business practices why would you call me at XXXX the first call and I spoke with you. This man proceeds to call back at XXXX and XXXX and leave a voice mail both times. Had XXXX told me of the balance in XXXX it would have been paid here it is XXXX and I get a collection call that is poor business practice on behalf of XXXX as well and apparently I was not the only person that NCS called per the person I spoke with at the XXXX.

Companies XXXX  XXXX  and National Credit Systems

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Trott Law, P.C.
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX and its employees are a bunch of XXXX XXXX. I 100 % caught XXXX XXXX, XXXX XXXX, XXXX SHERIFFS DEPARTMENT AND XXXX XXXX in MULTIPLE 18 USC 242 VIOLATIONS. MULTIPLE 15 USC VIOLATIONS. RICO ACT VIOLATIONS. RAKETEERING. IDENTITY THEFT ..... I have no XXXX contracts with these theiving XXXX. I have 0 respect for men and woman I don't know ADMINISTRATING PROPERTY WITHOUT RIGHT, CONSENT OR CONTRACT. 

This MORTGAGE is FACTUALLY BIFURCATED 5x = NULL AND VOID. 
I 100 % discovered Grammatical DECEPTION all over the XXXX XXXX contracts = FRAUD= NULL AND VOID. 

This company sent a Serivce Corporation Employees to my house to throw papers on my car and told me TROTT LAW/XXXX XXXXXXXX is selling my house without my consent. XXXX YOU BOTH, XXXX, XXXX XXXX. If I walk down to an ILLEGAL/UNLAWFUL Auction/Foreclosure .... I will 100 % be placing these men and woman/ any man or woman involved under Private Citizen Arrest. I don't owe any man or woman anything!!!!!!!!!!! If so WHO! XXXX?!?! WHO!?!?!?!? 
This mortgage is DISCHARGED. I also 1099a and 1099c the DEBT via IRS and they accepted. 

TROTT LAW Employees are being sued no matter what for their CRIMES ... ... CFPB ... .. Do you XXXX jobs and get these XXXX XXXX XXXX out of my life. 

XXXX XXXX and TROTT LAW refused many Negotioable Instruments = Legal Tender = UCC 3-603 ( b ) = DISCHARGE for refusing Payment. 

I have 5 CORPORATION ganing up on my PERSON ( CORPOARTION ) = RICO LAW VIOS/RAKETEERING. They got caught! ALL OF YOU!!!! 
You XXXX who use Legalese ( FRAUD ) need to be eradicated. You XXXX are destroying lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: SC
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these inquiries ( A ). It is not permitted to report these inquiries as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
FXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent in an authorized letter along with my license and utility bill to verify my identity and Transunion LLC replied saying that they wont process the request because I didnt authorize but I clearly signed and included my personal information.

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 2022-06-17
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AMERIHOME MORTGAGE COMPANY for committing identity theft. I have never given AMERIHOME MORTGAGE COMPANY any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until AMERIHOME MORTGAGE COMPANY can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and AMERIHOME MORTGAGE COMPANY continues its collections efforts, I will file for litigation for actual damages caused and AMERIHOME MORTGAGE COMPANY will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # xxxxxxxxx XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
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: Old information reappears or never goes away

Complaint:
In XXXX and XXXX of this year, I contacted Equifax, XXXX and XXXX online to dispute an account with XXXX XXXX that meets the requirements of " Credit reporting time limit ''. I am a single mom of 3 trying to purchase a home and this is the only account that is affecting my credit. This is an account that was paid off almost 8 years ago, but unfortunately I do not have a receipt because I went through a divorce process and can not locate most of my paperwork for old bills. XXXX and XXXX  immediately deleted this 8 year old account to my satisfaction and my score is in the mid 700 's now with both of them. With Equifax I have disputed it TWICE and I even told them that by law, credit bureaus are only allowed to list negative items for a certain amount of time, and the XXXX account meets and EXCEEDS the time limit for negative information. Please help me in resolving this issue. I don't understand why XXXX and Equifax keeps violating the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Tesani Management Inc
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In XXXX, I obtained a payday short term installment loan with Lift Credit. The original loan amount was {$1900.00} and I made total payments of {$1400.00}. During XXXX I assumed the care of my dying mother. I contacted Lift credit many times requesting assistance in stopping interest charges, paying off the principal, etc. at each contact point I was ignored and told it would continue to accrue interest and ultimately become a legal matter. This loan was requested during a very difficult time and I never anticipated such devastation as a result. My mother passed away in XX/XX/XXXX. Additionally my son was diagnosed with a XXXX XXXXXXXX and the medical expenses and debts have ballooned to over {$15000.00}. Despite sharing these challenges with Lift, they would not negotiate, provide a reasonable compromise, but instead threaten legal action and demonstrate no care in the devastation this predatory loan has now caused. So much so, I am considering bankruptcy relief. Lift filed a small claims case and without any options to defend myself, they received judgement of over {$8000.00} with a repayment of {$430.00} per month. I do not have the money to make payment without sacrificing the care of my son, servicing of my debt and maintaining monthly housing and utility expenses. 
In summary, Lift has demonstrated predatory lending practices ; both in the origination, collections and lack of maintaining and adhering to their website advertisement stating Lift Credit provides same day, installment loans to residents in XXXX XXXX XXXX  and XXXX. Regardless of credit standing, we offer significantly lower rates than payday lendersgiving a financial solution to those who need it most. And online installment loans to lift you higher. Their site is also flooded with misleading reviews and testimonials. At an interest of 382 % annually, the ability to service this loan should a borrower experience continued financial hardship, it quickly grows from a modest loan balance to 4 or 5 times the original loan. The end result is devastating to an average consumer. Lastly, during the collections process, the lender communicated via text and did not made a proper collection notification disclosure. In violation of collection laws. I was also refused a principal payoff to cease the interest charges. Again, an example of predatory lending, unfair and deceptive marketing and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear CFPB Staff, XXXX XXXX XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus. 

They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had 3 charges for XXXX dollars on my credit reports with Kansas counselors of Kansas City debt collection agency. However these are for medical bills at a hospital I have never personally been to. I disputed the debt and it was removed from 2 out of 3 credit reports however they made a comment on my XXXX that says customer disputes debt reinvestigatom in progress. This proves they have already investigated this debt and have found nothing to legally tie me to this debt but are trying to hold on to it on my credit to penalize me for what may have been identity theft. I have not had any western medicine in a number of years that number of years would go far beyond the limits of any agencys legal right to report to my credit. I checked in to fdcpa laws and they say the creditor has to remove the debt until they have proof and the burden of proof is on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Cascade CISS Holdings, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
Credit plus is in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully ; p ] '/loobtaining my XXXX consumer report on XXXX XXXX, XXXX XXXX, XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

I have not initiated any transaction with Credit Plus, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Anypersonwho knowingly and willfully obtains information on aconsumerfrom aconsumer reporting agencyunder false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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 status incorrect

Complaint:
This is 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
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: Investigation took more than 30 days

Complaint:
For the last 2 months, starting XX/XX/2022, I, XXXX XXXX have been contacting this credit reporting agency requesting proof of verification of the items they have listed on my credit report. I have sent multiple letters through certified mail, I have a tracking number to verify these letters were received by this agency. However I still have not received any updates or proof of how these items were verified to be accurately listed on my credit report from this credit reporting agency. I have requested verification for the following items : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX$7100.00} According to the Fair Credit Reporting Act, 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ) reporting agencies are required by law to verify through physical verification of the original signed consumer contract any and all accounts posted on a credit report. Otherwise anyone can give wrongful or worse fraudulent information. I have asked this agency to provide proof for these above items on my credit report but have yet to hear from them about these items and it has been more than 45 days.

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 2023-01-12
Company: Experian Information Solutions Inc.
State: AL
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 to privacy and confidentiality under 15 USC 1681. Account name : 1. Bank of America 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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