BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
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 AND EQUIFAX, have both allowed a known violator of the Fair Credit Reporting act, i.e. XXXX XXXX XXXX, to place fraudulent collections on my credit reports thereby negatively impacting my credit score which has real world negative impact on my financial health which is intrinsic to my personal well being. 

Everyday that goes by with these fraudulent collections on my credit report is a violation of my rights, a crime against me initiated by XXXX XXXX XXXX and permitted by XXXX & EQUIFAX, who exercise no caution to determine if the alleged debt collection is indeed mine or even valid. 

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX of 2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: CITIBANK, N.A.
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:
Im a victim of identity theft and fraudulent accounts have been opened in my name XXXX XXXX is still reporting information about me that is false from checking accounts that were open fraudulently. A Citibank Checking account was opened in the year of 2014. A XXXX XXXX XXXX checking account as well.

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 2021-11-03
Company: EQUIFAX, 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 status incorrect

Complaint:
Ive been current on all my payments to XXXX and it is being listed as late for two months ( XXXX and XXXX ) and that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I tried to apply for financing for a vehicle was denied. Which is a violation of 28 USC 3002 ( 3 ). They also violated 18 USC 8 all debts are obligation of UNITED STATES. They also violated 15 USC 6803 they ran my credit without written consent. They also violated XXXX cfr XXXX, XXXX cfr XXXX my signature was the credit. They also violated 15USC 1605a they said i need a down payment. they also violated 12 cfr 1002 I the consumer made an credit application in good faith but no credit was issued. They also violated 15 usc 1692k there was no equal opportunity. all these are violations of the consumer bill of rights access to basic goods and services. By me filling out a application it also created a fiduciary obligation with the trust it was in my best interest. by denying me that was XXXX XXXX XXXX XXXX XXXX XXXX ) which is a violation of 18 usc 3333. I feel these violations are a violation of my civil rights under 42 usc 1983,1985, 1986, 1988 and 18 usc 245, and 242.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: GREAT LAKES
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Account sold. Nomaccounting information being provised on this account after repeated inquiries. Master promissary notes are not original contracts. Accounts have multiple servicers and can not obtain accurate information on none of these accounts. All i get is threats of wage garnishments. The amount on the account is grossly well above the cost to attend the institution. Amount on credit reporting agency is XXXX but letters sent to me is XXXX. School doesnt cost nowhere near that to attend. Accounting information needed to verify this account. Amounts on promissary notes sent to me are thousands of dollars less than being reported and letter sent to my address of garnishment. There is over 23000 difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I took out a student loan with Navient in 2007 to attend XXXX XXXX. Never gained any credits or anything from that school, because of them not being accredited made my attendance there worthless and the loan that they wanted me to pay back. I was flat out lied to. Navient denies loan forgiveness even though XXXX XXXX was sued for fraud and discredited by Department of Education. Not only that Navient has been sued for fraud in the same timeline this has happened. They did not help or give much choices, just you can postpone until you pay the amount. Both institutions were conducting fraudulent activities preying on low income. Which puts them in breach of contract. I need this removed from my credit report. This whole experience has put a burden on me and my trust in the education system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XXXX, 2020, I realized that my personal information has been misused by an identity theft crime. Exactly seven different credit accounts were made with my personal information. Six accounts are listed below. 
XXXX XXXX XXXX XXXX ( {$3700.00} ) XXXX  XXXX XXXX XXXX XXXX ( {$2500.00} ) XXXX XXXX XXXX XXXX ( {$8100.00} ) XXXX XXXXXXXX XXXX XXXX   XXXX  ( {$14000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX To resolve this problem, I have made and submitted an identity theft report from FTC to all three credit bureaus and made additional police report regarding the identity theft crime and submitted that report to all three credit bureaus as well. 

I also requested verification and validation of each accounts to the creditors and they did not provide me any detailed information regarding who might be responsible for these accounts. Because the credit bureaus and creditors did not find who might be responsible nor have significant proof that I am the one who made these accounts, all accounts that were involved with identity theft must be removed from my credit report. 

The remaining fraudulent accounts on my credit report are listed below. 

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 2017-08-11
Company: Amcap Investments, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX I started business with AmCap LTD out of XXXX Tenn. XXXX XXXX was my  representative. On XXXX XXXX, XXXX, after going through the loan process and being told we were good to go and jumping through every hoop they required we were told they no longer can do my loan due to the company pulling their licenses in MD, DC  and Va. Closing was supposed to be on the XXXX. I was told this after an FHA inspector, cost of {$580.00}, that AmCap contracted and I paid was sent to the house we were buying and told us everything was ok and we did a pre-occupancy agreement and had to put money down to the seller to move in before closing. Now after discovery, we found the house has mold and an oil tank in the basement and are being told to vacate after only 18 days of residing in the house and after the seller taking XXXX of my money that was supposed to be sourced as down payment. My wife is XXXX and all parties knew of this. I do n't understand how a mortgage company can get so close to closing and all of the sudden say they ca n't complete the process because of licensing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: T.S. Holdings
State: WI
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with Chime on XX/XX/XXXX they said someone tried to access my account and they suspended my account I have called and sent emails and they asked me to send an.email with my drivers license and me holding it I did onXX/XX/21 then I heard nothing still suspended then I called and got another email they wanted me to hold up a piece of mail and take the picture I did that onXX/XX/21 still suspended then they swnt another email wanting a picture of me holding my liscence and the last 4 of my social I did that on XX/XX/21 I had a deposit go in on XX/XX/XXXX and I have no access to my money this company has many complaints about this same issue and I have incurred late payments and return charges because of this and still have no answer and there wasn't a purchase that was attempted they just said someone tried to access my account so why not just change password and it's done but I haven't had that opportunity well actually I did on XX/XX/21 qhen I spoke to a representative and she told me I was good then later when I went to login I couldn't. I feel they might be using my identity and i.know they are using my money because I cant

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I head leasing car with Hyundai, after my leasing over, I went to replace my car, I came to dealer agency in XXXX XXXX they checked my car, after we talked about the price and agree about my returning of the car and condition and term of the new lease, all was verified all was understood, I agree to take new car and start to pay new amount, after few month I recieve collection in my credit report from HYUNDAI XXXX XXXX I called them to understand whats the problem they said that I owe them XXXX dollar for the old car I return and they checked, no need to say I didnt got any latter any phone call about this small small debt, all this time, only when the collection apear I know about this debt, regardless I dont know even why do I owe this amount XXXX dollar, we agree at the dealer all conditions and payment and conditions of my old car, why after so many month they want to charge me about my old car more money, ( cause they found somthing in my return car ) they agree to take my car after they check my car and agree to take new car, otherwise we could solve this on the meeting, they cant agree for all conditions and after few month to say sorry you still owe XXXX dollar, give me the chance for fair deal or to agree or not, with unfair feeling I paid that owe ( I cant have collection in my report ) but the collection/amount stay at my credit file and damage my credit, i try to called them but they didnt want to delete that from my report, I just ask to remove that collection from all XXXX credit report agency, even if its not fair deal, they just want me to stay with them no matter what they will do after I walk with new leasing from the dealer, this is not fair Buisness

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: BARCLAYS BANK DELAWARE
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: Old information reappears or never goes away

Complaint:
I never had a credit card my name was compromised

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 2018-02-07
Company: Rickart Collection Systems, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Rickart Collection System placed this debt of {$5100.00} on my credit report on XX/XX/2016. I have never opened an account with this company, nor XXXX XXXX. I have been applying for apartments for me and my soon to be born first child and by this appearing on my credit report I have been constantly denied. Someone must have used my name and created an account of their own because I have never had an account with this company, because this is the first time I have been on my own seeking for a place to stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions 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:
On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX XXXX  and Experian to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.

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 2020-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
At some point in 2019, I was offered a balance transfer with a 0 % APR. On my most recent statement, the rate was increased to 22.99 % and I was charged {$150.00} in interest with no warning or notification. For comparison, I have another card moving from 0 % in XXXX and I have received numerous emails reminding me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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 HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. 
SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. 
I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Complain against Nation star mortgage. 
They are cruel and do not coopeate, I can pay, but they prefer to forclose the house, because I have equity in the house. So they do not accept my modification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-11-13
Company: Incomm Holdings Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My XXXX year old son was given a vanilla gift card for his birthday. There was a XXXX charge on the card that he didn't authorize. He said a game XXXX XXXX he tried to download and it asked for the card number but said there would be no charge. It did charge him. I called the company twice to initiate a dispute but the phone kept hanging up. I went on their website and there was nothing in regards to a dispute process. Almost like they don't want anyone to know how to dispute. I need this issue rectified immediately please. I want the XXXX transaction disputed and refunded back to the card number XXXX XX/XX/27 XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted the company several times leaving voicemails. Still no call back. 
{$790.00} bill This is not my bill, it appear to have been opened around 2016. I want this off my credit because I did not open this account. I have also disputed this account before. It was taken off my credit and it has come back again.

Company response to consumer: Closed with explanation