BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-06
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It started after i received a collection letter from Southwest Credit Systems on XXXX, it was in reference to an unpaid XXXX XXXX bill in Illinois in the amount of {$230.00}. I immediately contacted the collection company and told them this is not my bill, and that i have not resided in Illinois since XX/XX/XXXX. Then i contacted my local police dept and filed a police report on XXXX for identity theft/fraud. Then i contacted XXXX XXXX and fought with them as they stated the name on the XXXX XXXX account was the same as mine, and that the ss # which they made me verify, was the same as mine. They explained the gentleman 's name was also the same as mine, and told me the acct was opened XXXX, and a women called and closed the XXXX acct out on XXXX. To make a long story short, XXXX XXXX verified the information that i had given to them, they also stated the acct holder had auto debit, and the bills were going to a women in Illinois, but yet they would not clear it. They said to wait 45 days for them to do the investigation, and within less then 30 days, they had already turned this acct over to the collection agency. I did receive a call from XXXX XXXX on XXXX from a man who said he had verified all the info we had given him, and that he had credited the acct, and was going to clear the remaining balance, even though he believes it should not be done, but someone told him to. I was also told they would send me an activity statement, and that they would send documentation to the collection agency that the acct was paid. As of XXXX i called Southwest Credit Agency and they have not received any documentation from XXXX XXXX to Clear this acct. On XXXX, i contacted XXXX XXXX customer service to ask once again for an activity statement, proof its paid off, and for them to notify the credit agency. They refuse to notify the collection agency that this is not our acct, i have also tried to dispute this charge in my credit bureaus and they stated they will not remove it. What happened to the saying, your innocent until proven guilty??? How do i get this off my credit, when it is not my acct. Any help you can give me in this matter would be greatly appreciated. I can not send any documentation since all i have is a collection letter. I do have notes, dates, and people i have spoken to since this has begun back on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

has violated my rights. Or list of inquiries 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
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MN
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:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Equifax, I hope this letter finds you in good health. My name is XXXX XXXX, and I recently obtained a copy of my Equifax credit report. Upon reviewing it, I discovered multiple unauthorized hard credit inquiries, which I did not consent to and I have reason to believe were not legally permissible. 

Here are the unauthorized inquiries in question : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Department of Education Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. Department of Education Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies and unauthorized entries on my credit report. I must insist on the immediate removal of these inquiries as they not only distort my creditworthiness but also potentially infringe on my rights as a consumer. 

Should you need any further verification or documentation to prove these inquiries were not authorized by me, please do not hesitate to reach out. I am fully prepared to take further legal steps to ensure my rights under the FCRA are upheld. As you're aware, Section 611 of the FCRA grants me the right to request a reinvestigation free of charge, and under Section 623 ( a ) ( 1 ) ( A ) & Section 623 ( a ) ( 1 ) ( B ), creditors are expected to provide accurate information. 

I request a detailed response in writing affirming that these inquiries have been removed, and I would appreciate it if you could expedite this matter as it is having a profound effect on my financial opportunities. 

Should you disregard this request or fail to comply, be informed that I will be compelled to take further legal action to protect my rights, which could include filing a complaint with the Federal Trade Commission or possibly seeking damages under Section 616 & 617 of the FCRA, for failing to comply with my request in good faith. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: State Collection Service, Inc.
State: MD
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:
As of XXXX XXXX, State Collection Service , Inc. is still furnishing my consumer report with a derogatory mark. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. On XX/XX/2021 I received an itemized statement of medical services which I assume is the debt collector 's attempt to provide the " debt validation '' I requested. A bill without a signature DOES NOT validate the debt and anybody can send a bill and say it is mine. According to FDCPA, State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ). Enforcement of penalties against State Collection Service , Inc is covered under the penalty rules of the Omnibus Final Rule, FCRA, and FACTA. As a consumer I am requesting his account be removed from XXXX XXXX and XXXX  immediately and State Collection Service , Inc send payment for the violations I presented. If this is not resolved within the next 5 business days, I will file charges. I have been dealing with this entirely too long and will no longer tolerate this blatant violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar appears to not be answering when letters were sent to them. A Notice of Error was sent with Certified Receipt and no response came back. The last 3 months, " New Evidence '' was provided by a Federal Agency that shows that a wrong claim is being represented. This pertains to XXXX having already said they were only lender/beneficiary and had accelerated this note in XX/XX/XXXX. 

The SEC states that the named Trust is Terminated. It was taken back to XXXX XXXX XXXX to which they said that the " Assignment in XX/XX/XXXX '' is a MISTAKE. And that Trust could not have been assigned to XXXX 's note. XXXX also had caused a NOD in XX/XX/XXXX ' Solely naming XXXX. There was no such Trust as being named that Nationstar says they work on behalf. I think that " XXXX '' had transferred to Nationstar a Note that was time barred as of XX/XX/XXXX, Exceeding the CA COMM CODE 3118. No ENFORCEMENT RIGHTS REMAIN. However, Nationstar will not answer this topic. 

And the Attorney firm XXXX XXXX XXXX   was also provided " Certified Mail '' and a Demand to Release this Lien as per CA Civil Code 2941. et seq. XXXX XXXX XXXX agreed all 3 of my properties were in fact time barred and past the Statutes. 

XXXX XXXX is not answering either and stated that Nationstar will answer. Neither one is answering me on this very important topic. This can lead to stealing property from another and which I think that is what they are trying to do. They will not look at the facts. 

I am asking to Please answer the requirements of which were sent in the mail. Proof of receipt and yet they continue to state they will be answering. I am waiting for the confirmation of the Release of the Lien. This has been twice time barred. Over 12 years and stale debt being claimed. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
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:
To Whom it may concern. 
My name is XXXX and since 2008 or so I have been a victim of ID Theft. There are some Banks on my credit report that are either my family 's or opened by ID theft. I received information on how to dispute items opened by ID THEFT from the CFPB Website. I used that template and made an FTC Affidavit & Report Number : XXXX. I also signed the dispute letters and received a response saying I did not send this in myself or authorize it. But I did authorize this dispute from XXXX XXXX XXXX. I have not received any response from Equifax, the Tracking # is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TD BANK US HOLDING COMPANY
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
We purchased a XXXX XXXX on-line in late XXXX of XXXX. It was delivered by Asurion ( delivery and repair agent for XXXX ) in early XXXX with both upper doors damaged. Over the next 2 months XXXX stopped by 4 times before the appliance was acceptable. At first the upper doors delivered were to another model. Next both doors shipped were for the same side. Next the other door arrived and was installed correctly, but while XXXX removed the shipping tape, the freezer door finish was damaged. Finally, in early XXXX, a new freezer door arrived and the XXXX was accepted by us. XXXX in XXXX  XXXX should be able to verify this information. https : //www.asurion.com/repairs/appliance/ At that time, I set up payments for {$1700.00}, starting in XXXX, in my online banking account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) based on the Shipping & Billing sheet ( attached ). The automatic payments of {$150.00} were set to pay at the end of the next 11 months with a final payment of {$110.00} to be paid the XXXX month.A copy of these transactions by XXXX Bank is attached. 

I have received some statements from XXXX XXXX but I have been unable to make sense of them. I have sent, therefore, similar information contained in this email to TD Retail services at least twice using the reply mail envelope enclosed with the statements. I have never had a response. 

I have called XXXX XXXX at least 8 times over the past 2 months. The automated telephone system doesnt work well. It wants you to pay the bill and doesnt give you an operator or real person option. I finally discovered a phone number XXXX where I could talk to a person. I was told to use myonlineaccount.net and that I needed to fill in a Dispute form. 

I established my online account and began exploring the online information. The dispute form was very difficult to find, with no direct links to it. Somehow, I found the dispute form and it is attached. 

I could not use the on-line system to review statements. It simply would not link to the PDFs. I was able to access monthly transactions by retrieving each month separately from the system not very user friendly. I have summarized them in a transaction table attached. 

This table contains {$100.00} in late charges, {$290.00} in deferred interest charges and {$14.00} in actual interest. These total {$410.00}, differing from the total due online of {$430.00} by {$20.00}. 

Finally, the on-line system does not appear to balance with the billing system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX has been reporting consumer transactions improperly. 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Experian continues to report this information. The reporting of excluded information pursuant to 15USC 1681a ( d ) ( 2 ) ( A ) ( 1 ) on a Consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a Consumer Reporting Agency. I need the the transactions reporting as late, Collection/Charge Off status and any other derogatory information deleted from my Consumer reports effective immediately. Before you assume to reply that this account has been " Validated '', let 's be transparent that I am not asking you to validate or verify anything. So please do not respond with that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX & the creditors reporting Collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26USC ss 6050p Returns relating to the cancellation of indebtedness by certain entities. If this derogatory information is not deleted from my consumer report within 15 days I will be compelled to officially file IRS 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against all entities involved.

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 2021-07-30
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was contacted on my mobile phone under the XXXX XXXX  XXXX XXXX FRAUD stating fraudulent activity was occurring in my bank account. I was directed to then transfer my current balance to my email using the third party Zelle services so that it may preserve them from being compromised & a new debit card would be issued to me in 7 days. The funds never arrived back in my account even with the email attached nor was a new card ever ordered. I reported to my bank and they have filed a fraud claim and advised me to file here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: 2233 Paradise Road LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am requesting that I be provided a full refund from this company known as Cash Factory USA regarding the funds that were taken from my XXXX XXXX XXXX account. I am requesting a full refund for the amount of {$1400.00} that total the funds that this company stole from me. I provided a bank statement from XX/XX/2023 that shows no funds or goods were received from this company. The only department I am able to get in contact with is their Compliance team that can only communicate through email. I have been trying to get this issue resolved since XX/XX/2023. The only resolution I will accept is being issued a full refund for the amount above as I am now having to resort to reaching out to XXXX agencies to assist me with getting this matter resolved. 

Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-07-30
Company: STATE EMPLOYEES CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment via electronic transfer directly from my checking to the my mortgage account, ( Mortgage for XX/XX/XXXX) on Saturday XX/XX/XXXX. The credit union, NC State Employees credit union, did not post the payment until XX/XX/XXXX stating that the payment was made after XXXX. That has nothing to do with the date that I transferred the payment over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: IL
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 am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Hello, My name is  XXXX   XXXX . I have a  XXXX  account : Account :  XXXX  Current Balance : {$21000.00} Past Due Amount : {$0.00} Current Amount Due : {$61.00} Payment Amount : {$61.00} Due Date: XXXX  I re-consolidated my loans after they were damaging my credit back in  XXXX  of   XXXX  . I have made my payments on time since then. I thought that everything was being handled but I was n't told about a loan for {$3300.00} that I had defaulted on twice. My credit report is reporting the loan at  XXXX  but when I reached out to them they stated that my debt to  XXXX  was at  XXXX . The  XXXX  account does n't list the loan! They also said I could not pay it over the internet, that I had to call and pay it over the phone.     This seems extremely predatory and I will call them and work to reestablish my credit, but others like me might not be able to because of these shady practices. Please let me know if you can assist me with this. I will cooperate as much as I can.       Thanks,  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