BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-18
Company: Allied International Credit Corp., (US)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a letter from Allied International Credit Corp, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX phone XXXX making a demand for {$160.00} owed to XXXX. 
I contacted XXXX and received a reply stating no amounts are due to them by me. 

XXXX  has received similar complaints which evidences a scam being perpetuated by this organization. 

The company shares a location with a law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
When I contacted the law firm they were evasive about any connection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I applied for the payday loan back in XX/XX/2017 when I was employed full time.The company knew my paydays but continued to take out the payment amont on the wrong days which resulted in late charges and sometimes repayments.In XX/XX/2017 I lost my job and got behind on the payments but I also reported everything to the company which by that time handed it over to collections.I then spoke with a representative and told them I would get them the money as soon as I could.Collections then started to harass me so much every day after that day that I had to change my number.When I called back I was told that the account was changed off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I don't recognize majority of the accounts and i never opened any service with this companies and i think someone else in using my information without my knowledge and i don't recognize them. 
Plus i never been notified about this not even the credit report agency have never notify me this. 
And i dont recognize them and i request ask them to send me any proof of my signature otherwise they are responsible for affecting my credit for reporting wrong information on my credit report score as well the credit report agency are responsible that is affecting that why I can't access to get credit or any federal funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was going through my credit report and noticed five hard inquiries that do not pertain to me. The first hard inquiry is for PAYPALCREDIT the date of the inquiry states XX/XX/XXXX and the institution 's information is Paypalcredit XXXX, MD XXXX. The phone number is ( XXXX ) XXXX. 

The second hard inquiry that does not pertain to me is an inquiry that states SYNCB/TJX DC. The date for the inquiry states XX/XX/XXXX. I have never heard of this company in my life and I did not try to open anything under this. Institution information for this is Syncb/tjx Dc XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The third hard inquiry that does not pertain to me is SYNCBXXXX. The date for this hard inquiry is XX/XX/XXXX. I have never tried opening anything under this account. This is a fraud. The institution information is SyncbXXXX XXXX, FL XXXX. The phone number is ( XXXX ) XXXX. 

The fourth inquiry that does not pertain to me is XXXX. The date for this inquiry is XX/XX/XXXX. Institution information is XXXX XXXX XXXX, PA XXXX. I have never tried opening anything under this company. The phone number is ( XXXX ) XXXX. 

The Fifth inquiry is XXXX. The inquiry date is XX/XX/XXXX. The institution information is XXXX XXXX, DE XXXX and the phone number is ( 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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked XXXX XXXX XXXX for validation through US mail and through the CFPB.at the address listed. I have not received any correspondence from this company. as of XX/XX/2016, this account was charged off. The Statute of Limitations for this type of debt is three years in the state of South Carolina, This is a time barred debt for collection purposes. How is it that the payment is increasing on a time barred account? Updating the payment history is not validation, XXXX XXXX payment history is inaccurate. I have no account with XXXX XXXX XXXX. This a violation of my rights under the HIPPA laws. XXXX states that the account is showing an inaccurate payment history and has been sold to XXXX. Why are they still on my credit report when the alleged account has been sold to a third party collection and I never had n account with XXXX XXXX XXXX has an inaccurate payment history. 15 USC 1681a ( 2 ) ( A ) ( i ) states that ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 624, any ( i ) report containing information solely as to TRANSACTIONS OR EXPERIENCES between the CONSUMER and the PERSON MAKING THE REPORT. Reporting any type of payment, is considered a transaction. ! 5 USC 1692e ( 2 ) ( A ) states that the false representation of ( A ) the character, amount, or legal status of any debt is a violatiion.

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 2018-12-18
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hunter Warfield is a third party collection agency trying to collect on a debt that was a result of identity theft. This action is a violation of the FCRA and my consumer rights.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.

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 2021-06-07
Company: Affirm Holdings, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The account " Affirm Inc '' is absolutely fraud. I did not open this account or authorize anyone to do so. This is a complete violation and needs to be deleted right away. I have attached a copy of an ID Theft Affidavit packet. This is damaging my credit and making me lose out on my financing goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Amerihome mortgage company LLC is my mortgage company. In mid of XXXX of 2022 they informed me, of increase of taxes and Insurance, and therefore, there were a shortage needed to be paid before the end of XXXX. I was informed that my shortage is XXXX total. 

In XX/XX/XXXX of 2022 I made a payment by phone fully to cover the XXXX shortage as they requested. 

IN XX/XX/XXXX, XXXX and XXXX, I called to follow on my Escrow, the customer service agents informed me different statements. one said there still shortage of less than XXXX and other stated there is hundreds, so Confusion occurred, and therefore a suggestion from another agent to wait till the numbers adds up next month, and maybe look for different Insurance company or to work in reducing my Insurance policy in order to see a difference in my monthly payment. 
I decided to reduce my home insurance and requested to be sent to my Amerihome and they did. the reduction didnt make any huge difference. 

I was told my monthly payment will increase no matter what. 

I'm confused and stressed about the outcome of my communication with Amerihome and it seems no way to avoid the shortage and pay it off fully due to accuracy of information provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: NY
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 account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXXXXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: Experian Information Solutions Inc.
State: IL
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:
XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report was inaccurate. XX/XX/XXXX I received this response : The company that reported the information has certified to Experian that the inofrmation is accurate. This item was not chaged as a result of our processing your dispute. Pleasereview your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is inaccurate. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, they also directed me to their website which states the same : http : //www.alsb.uscourts.govXXXX. Yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the bankruptcy court of XXXX, AL listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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 endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

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 2021-07-12
Company: EQUIFAX, INC.
State: DE
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 reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
State: CO
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. 
XXXX Account XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I submitted a complaint ( XXXX ) and the case was ruled in my favor. The credit bureau 's XXXX, XXXX, and Transunion are still reporting inaccurate information on my credit report. This has caused me distress and has limited my ability to move forward in life, I am asking that you please have these collection accounts from my credit reports. I also noticed that they have a new company XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX reporting this same debt, as well as XXXX XXXX XXXX. I am asking to have them to remove all collections on my account as they are not my accounts therefore making this invalid. 

Thank you all so much.

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 2020-10-07
Company: LoanCare, LLC
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: Account status incorrect

Complaint:
I paid off myloancare mortgage loan last month, during that time I was in forbearance. I was completely current on payments going into the forbearance and when the account closed, it was reported to the credit bureaus that I was 60 days late.

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 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

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 2018-11-23
Company: Dyck-O'Neal, Inc.
State: NH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XX/XX/XXXX, my ex-husband, XXXX XXXX XXXX, XXXX and I signed a 10 year promissory note which was due to be paid in full in XX/XX/XXXX/XX/XX/XXXX due to the short-sale of the marital home. We had been legally divorced for 6 months, living in separate homes/addresses, and separate bank accounts. For the first 3 years of this repayment period, Dyck O'Neal only sent bills to XXXX. Repeated calls to Dyck O'Neal were unsuccessful. I was always told that it is there policy to only send the bill to the first person on the account. For three years I wrote, " Please send me a copy of this bill so I can pay on time. '' Once they began doing that, I received monthly bills and payments were sent consistently. XXXX consistently paid $ XXXX/month over almost 8 years. My amounts were varialbe over the years, sometimes minimal, sometimes extra. In XX/XX/XXXX, XXXX has a small XXXX as the result of XXXX XXXX   XXXX for 2 1/2 years and was at the VA Hospital in XXXX XXXX XXXX, VT. I was not notified of this by my former step-children until my repeated phone calls to him to check on his well-being. I spoke to XXXX, via phone, and told him that I would send the entire monthly amount and he said that he would pay the balance of the loan. 

On XX/XX/XXXX, XXXX passed away due to his XXXX XXXX XXXX XXXX. I never received another bill from Dyck O'Neal and assumed that XXXX had followed through and paid of the loan. I was notified by XXXX XXXX that my score had gone down and a past 30 day payment was reported. 

I have filed a complaint with the credit bureaus on three separate occassions and won each time. Dyck O'Neal negative reporting was removed, but they keep putting it back on my account. If I'm late 30-60 days, please explain to me how we've paid this debt off 2 YEARS early. I've called Dyck O'Neal customer service again and warned the rep that if they reported the account as late again that I would be filing a formal complaint. Please help fix this for good. They still have not fixed their policy of only notifying the first person on the account despite knowing that we were divorced and living separately before even signing this promissory note. At this point, my credit has been repeatedly and negatively impacted over the years. 

Thank you, XXXX XXXX ( formerly XXXX )

Company response to consumer: Closed with explanation