BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} 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 ) XXXXXXXX XXXX XXXX {$5500.00} XXXXXXXX XXXX XX/XX/XXXX According to F

CRA 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.

Fair Solution

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 2023-10-20
Company: EQUIFAX, INC.
State: TX
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:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 non-monetary relief
Consumer complaint received 2020-12-31
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a XXXX condition, starting in XX/XX/2020 my condition progressed. By XX/XX/2020, I was unable to walk and had to shelter in place at my place of business. Also during that time, I had to quartine until I received a Covid-19 test. Because of the nature of my business a child daycare, I am required to be there from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. I had my daughter to drive by on different days just to check my home. She noticed nothing wrong. On XX/XX/XXXX she went there and found that someone had entered my home. they had placed papers inside my windows, door, and throughout the house. The company that left the papers is XXXX XXXX XXXX. They claimed that they had been hired to winterize my home at the request of XXXX XXXX XXXX XXXX XXXX. I contacted my Bankruptcy Attorney, he contacted my mortgage company PHH. They told him that they had not sent anyone into my home. My gate with 2 locks, entrance, and security door a total of 6 locks had been forced and left open. My home had been vandalized. Personal property was stolen and broken. He advised me to contact the police. When I contacted my mortgage company they denied using this company. I was told that they use a company called XXXX for property preservation. I was told that XXXX had preformed a no contact inspection and found my home to be occupied. I did not find out that they had sent XXXX XXXX XXXX out until I requested a break down of outstanding charges. they had no right to enter my home, my mortgage is being paid. I have been calling PHH since this was discovered in XXXX. They are still investigating, they also claimed XXXX was supposed to do a no contact inspection. We have also contacted XXXX who has always claimed that PHH/Ocwen hired them. A person at XXXX named XXXX stated that they were hired to do winterization on my home. She claimed they knocked on my door 3 times, got no answer, and entered my home. She also claimed they had another work order for my home, but would now cancel it. That is impossible no one can reach my entrance and security doors without coming through a 2 lock gate. The locks on my gate were forced open and replaced with 2 old painted locks that were open. My entrance and security door were forced open. They also hung a keyless entry lock on the handle of my security door making it appear to be locked. I don't understand what type of winterization they performed because now my water heater and furnace have water damage and have to be replaced. they were fairly new, even even XXXX years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted repeatedly for the past two weeks by a company named financial asset management systems. Their number is XXXX ( XXXX ) XXXX. I do not have any outstanding debts or balances to any creditors, debtors or businesses. However the persist in calling me. Today, XXXX XXXX I received a call and the representative XXXX XXXX Washington, I believe ) asked for my birthdate and last four digits of my social. When I gave her the information she said thank you and hung up the phone. 

I called back to speak to a supervisor and A XXXX transferred me to a XXXX, XXXX ( I can not recall ) and told her what had happened with the previous call and that I believed this organization to be a fraudulent one and to stop calling me or I would report them. She then said it was not a scam and asked me for my social and birth date again. I told her I would not supply this information, and to send a certified letter to the address on file. She said she would not and persisted to threaten me. So I ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: TD BANK US HOLDING COMPANY
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, it is stated on my credit report that I have a hard-inquiry from XXXX. This was not me applying for the card. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX, I am 100 % not sure where or what this company is. On XX/XX/XXXX, I have a hard-inquiry from XXXX XXXX XXXX, not sure as to why I have one with them, when all I currently have is a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I submitted a dispute regarding the Bankruptcy records that has been reported on my credit report. Transunion has came back stating that they have verified the information as accurate. As my previous dispute stated in a letter from the Bankruptcy Court stating that they do not provide information to credit reporting agencies. 

I need Transunion to either provide proof that they received such information from the Courts, which is noted the courts never provides such 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX WY XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/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 ;

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 2023-07-05
Company: EQUIFAX, INC.
State: OK
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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report 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/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, OK XXXX, XXXX XXXX XXXX Balance : {$710.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$570.00}, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had a credit balance on my business credit card. I asked CapitalOne to move the credit balance of {$3800.00} to my CapitalOne checking account in early XXXX. They sent me a check instead but put it in the name of the business that I have no checking account for. I called them and asked them to put the check in my name. They then said they have to stop payment on the check and it would take XXXX business days to get me a new check and it should be there by XX/XX/XXXX. Once again, I requested that they put the funds in my CapitalOne checking account. They didn't. They sent the check to wrong address. On XX/XX/XXXX, I called again and they said they had to stop payment on the check that was returned and it would take another XXXX business days but this time they would put it in my CapitalOne checking account. Today, XX/XX/XXXX makes it 9 days since they promised to put the funds into my checking account so I called and they said even though the supervisor requested XXXX, they made another check and it was mailed on XX/XX/XXXX and It will take additional XXXX business days. They refused to give me another supervisor. They have had my {$3800.00} for more than a month. They ruined my XXXX for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions 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:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

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 explanation
Consumer complaint received 2023-09-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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:
Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX  XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  cc : FTC ID Theft Report XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Choice Recovery, 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:
After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with with these companies. This is a notice of dispute pursuant to the FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 623 subsection ( 8 ) ( D ). The following accounts are listed below : CHOICE RECOVERY INC # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is still being lying scammers they are as Ive already complained about this company & fully explained the situation. 

My new issue currently is the fact they lied to you guys ( CFPB ) claiming that they deleted the collection off all 3 credit bureaus. Its been over 30 days & it is still showing on my credit when they said to wait merely 10 days for the change to be adjusted. Im afraid they were lying because as I read theyre response it raises a red flag Why would claim to have cleared the matter & in the same response to ( CFPB ) & consumer say that you can contact our clients & were offering 50 % discount for deletion! These guys are professional fraudsters. 

That itemized bill is complete fraud. 

I hate that I even have to go through this! After all the blatant disrespect & slander Ive taken from this company in the last few months I deserve better man seriously.

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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 was currently looking into becoming a first time homebuyer and I notice some companies pulled my credit report unknowingly : 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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2022 government/federal agencies over XXXX student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over XXXX new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over XXXX points as result. This isnt fair or just.

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 2019-03-18
Company: DFC Global Corp.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have the all the details you will need I just am just busy today and did not have time to gather them. I had a payday loan for {$500.00} that I received over a year ago when the hurricane hit us here in Florida and I couldn't pay my bills I started struggling and eventually took a payday loan. I cleared that loan but was always chasing my tail, XXXX XXXX XXXX XXXX in Florida constantly called me 24 hours after I repaid my load and would ask " Just seeing if you needed some money this pay period ''? So I would be broke and hop on it, they made it sound so safe and never explained any consequences to me. Well I chased that loan every 2 weeks for a year paying on time and handing thousands of dollars in fees to this company. I was a GREAT customer. Well now my father is in the hospital with failing XXXX, I am trying to take care of his home and mine and they call me up to 20 times a day, they constantly re-process the loan and I ger more NSF fee 's. Then they call and text you until your scared and approve more deposit attempts just in a hope that a few extra bucks will come my way and clear this up. I wish I would have just gotten evicted instead of this loan but the thought of runing a perfect rent history scared me and they knew it, that's why they called so much to offer help they knew what I needed the money for. I want the phone calls to stop and the fee 's, how am I supposed to get ahead and why cant they work out a payment plan with me? This should be illegal to do these loans I feels o stupid at XXXX to end up in this spot. My bank account is screwed, im struggling now more than I was before the loan. Never again will I do one and I hope companies like this need to start a MUCH stricter loan process and not allow these people to call and offer loans as soon as the mandated law that says no loans until 24 hours of repayment is done they call you and offer you money to " help you out this week '' as they put it which tells me they know that you need the money after the first loan to deal with just paying off the last loan, that part should 100 % be criminal. No one should be able to solicit a loan after a payday loan 24 hours after its been repaid, thats set up for failure, it should be 1 loan a month max. This is a nightmare, but what was I supposed to do I needed a home for me and my daughter and the hurricane was a ripple effect of chasing my tail due to loosing all that work, I was off for 2 weeks with no pay, alot of us were.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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.

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 non-monetary relief