BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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 sent out Letter to Remove Inaccurate Credit Information from XXXX, XXXX and Equifax I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, XXXX and Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Winklevoss Exchange LLC
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Applied for a crypto and credit card on XX/XX/XXXX. Was approved for a Gemini account and credit card XX/XX/XXXX. Bought some crypto XXXX and XXXX. Sometime late XXXX, I noticed my account was suspended. Called and they said it was closed, and it was probably temporary because I changed my email address. XX/XX/XXXX. Back and forth emails and phone calls, one excuse after the other. Fast forward to XX/XX/XXXX, Ive withdrawn most of my money, all but a measly {$17.00}. Ive asked repeatedly on how to withdraw the leftover money. The instructions they send do not work. I asked repeatedly what I have to do to reinstate my credit card, and I never get an answer as to how you can, its always, its confidential why we closed it. Its a complete circus act! 
These are fraudulent and unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: AMERICAN EXPRESS COMPANY
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:
American Express has failed to provide me with validation of the below accounts made pursuant to the fair debt collection practices act and fair credit reporting act, along with the corresponding state laws. 

I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

XXXX. American Express Account XXXX : XXXX Please remove it from my credit report. 
XXXX. American Express Account XXXX : XXXX Please remove it from my credit report. 

Please be aware that any negative remark found On my credit reports ( XXXX ) from your company or any company that you represent, for a debt that I do not owe is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, XXXX must request that all credit reporting agencies delete the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I worked with Freedom Debt Reliefs debt consolidation program, and I was under the impression when I signed up that all of my cards would be paid off and thats why I would be paying a flat-rate fee to Freedom debt relief. That was not the case. What happened was that they allowed all of my cards to get more and more delinquent so that they could negotiate a better deal, which I was not aware they would be doing, and which resulted in me getting harassed by creditors, them showing up at my house, getting sued, but worst of all ; my credit significantly declining. When I tried to address it, they told me to just trust the process and basically said there was nothing they could do. I ended up paying off all my debt, but the creditors were a headache to deal with and now my credit score has significantly declined, hurting essentially every area of my financial life. They were not upfront about their processes or the potential repercussions associated with going through their program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: FL
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:
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 any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the US Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to the credit reporting agencies, nor do they validate and/or confirm public records. 
see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My bank was bought by BBVA USA and recently merged within the last week and I have been unable to access my accounts or get ahold of any customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Western Mercantile Agency, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Western Merchantile Served my wife At her work with a court summons for a debt. she agreed to garnishment. They followed up by falsely delivering the summons post the signed date to her other old places of employ for a set amount per fake attempt. After garnishments began they over garnished the final payment XXXX XXXX we immediately contacted them to inform them of the error. We were told we would receive the funds in one to two months, which was now almost 5 years ago. They now started harassing phone calls attempting to collect an almost 11 year old debt for less than they owe us. I have attempted to pay the Companies that the debts originated with that We did business with and they are not allowed to take the money. Which means the debt has been purchased by western mercantile, which they also deny. But if they don't own the debt, my original debtors would be able to take the money. They are a cancerous stain on our community and their business practices are in need of real scrutiny.

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 2021-04-13
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to NewRez LLC on XX/XX/XXXX. Around XX/XX/XXXX I received a letter confirming the terms, balance, etc of the remaining mortgage. In this form I noted a {$25.00} Fee. I contacted New Rez, spoke to XXXX on XX/XX/XXXX. She advised it was for NSF from the previous mortgaging company, XXXX. She could not provide me with any additional information such as date and details. I advise XXXX I disputed this fee as I have never been notified of such a charge or problem. I sent a letter dated XX/XX/XXXX, stating this fee was disputed and I did not intend to pay it and to advise when corrected. On XX/XX/XXXX, I received a form letter stating they were " working on it ''. On XX/XX/XXXX ( 4 months later ), I wrote to NewRez and advised that I was considering this cleared as they had not responded to my XX/XX/XXXX letter. On XX/XX/XXXX, I received a letter saying they were " working on it. '' On XX/XX/XXXX, I received another letter that they were " working on it '' and on XX/XX/XXXX, received a letter stating " a payment may have been returned... '' for 1 of 15 reasons and therefore they were not correcting this charge. NewRez did NOT provide me with the date of this charge or the specifics. And telling me it might be 1 of 15 reasons is insufficient in itself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EdFinancial Services
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a student abroad, so I filled out a form ( in-school deferment request ) and submitted it in XXXX so that I would not have to make loan payments while I'm in school. Yet I am still being charged and EdFinancial services is telling me I'm delinquent on my payments. I have uploaded the form XXXX times now and submitted contact forms to them at least XXXX times. Because I do not live in the XXXX i am not able to call them. They have been completely unresponsive.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal. 
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report. 

They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. 

They also violated my rights under : 15 U.S. Code 1681i section 5. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

They also violated my rights under : 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. 

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

These accounts are : XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: TX
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$6800.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX-XXXX  According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$1200.00} This account is Unverified Account, doesnt have creditors name or contact information this is inaccurate reporting and must be removed from my credit immediately. 




XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was looking over my credit report and I saw this negative collection item of {$340.00} or something I do not recognized from a company called PENN CREDIT CORP the report shows the account was openXXXX XXXX 2019 and the original creditor was XXXX XXXX XXXX XXXX  I would like this to be permanently removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX XXXX  back in XXXX. The servicer of my loan is LoanCare. I just received a letter from the property assessor that LoanCare has not used my escrow money to pay my property tax, and the property tax is delinquent. I have tried for over 4 hours today to reach someone on the phone from LoanCare and all I get is the automated run around with no option for human contact. 

I'm now forced to simply pay the property assessor myself as LoanCare has completely failed to do so. Judging by LoanCare 's reputation online this is an unfortunately common occurrence. This seems to be their practice to hoard escrow payments, and then refuse to answer any messages. 

LoanCare through the myriad complaints I've read is a borderline scam, and potentially just horribly mismanaged. I don't know why the CFPB hasn't shut them down yet.

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 2023-11-08
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation