BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-04
Company: Nelnet, Inc.
State: AL
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have received 3 calls from IQ Data / XXXX XXXX XXXX company on XX/XX/2018 at XXXX XXXX, XXXX XXXX  and XXXX XXXX about my move-out bill from my the XXXXXXXX XXXX/XXXX XXXX. that I declined to pay and asked an adjustment from them. The agency representatives threatened me to move my file forward and to affect my credit score because of this inaccurate bill. I have already filed a complaint to the attorney general 's office about the adjustment of this bill and waiting for a response. However, I want to complain about this collection company because of their threatening and disrespectful call. Please see attached my emails to the property to fix this issue and my documentation that I left the house without any damage. I am not accepting the carpet replacement fee and asking for an adjustment of XX/XX/XXXX utility bill since I left the house on XX/XX/XXXX and only used the utilities for 9 days however been charged for the whole month. I made all my payments on the due dates until my move out and I am not accepting any debt that is declared to me after my move out without any documentation or proof. Although, I have my move out inspection shows that everything was okay at the apartment after my move out. The collection agency 's information is : XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, INC.
State: MA
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 several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Here are some of the list i came across and any other more than 30 days old ... 
XXXX/XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
I originally borrowed {$600.00} from National Small Loan and I already paid {$870.00} and now they are stating I still owe them an additional {$850.00}. I already paid over {$270.00} in interest which is equivalent to an annualized percentage rate of over 500 %. This is illegal in the state of Florida. The maximum annual percentage rate is 18 %. 

Florida 's usury laws, set forth in F.S Ch. 687, prescribe a maximum rate of interest of 18 percent on loans of less than {$500000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: NEW IMAGITAS, INC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I think it is totally illegal for companies to show a rate that may be out of date with no disclosure. Its a way for them to get your info and then nonstop bombard you. Rates should be up to date or within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Their investigation did not fix an error on your report

Complaint:
I have disputed the same item at least seven times. This is for XXXX in the amount of {$2400.00} and XXXX XXXX ( the  collection agency XXXX sold the dept to ) for the same amount. On my initial dispute, l was not forthcoming about the family member, who shares my sir name and who was a house sitter for me, during this period of fraud. However, After the initial dispute results came back as- correct and confirmed accurate for XXXX, with only XXXX XXXX being deleted from my report ; l was left with no choice but to provide the Equifax with that information. Despite disputing an additional 5 more times, the results are identical. This has gone on for about five months in total. I believe the results are bias and my dispute is being mishandled by the same group of people. XXXX, XXXX and XXXX have all removed both items. Equifax is the only reporting agency who continues to verify as accurate despite my having a fraud alert and police report on file for identity theft. Please intervene ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Marauder Corporation
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Nationwide XXXX XXXX reported doctor bills on credit report that a haven't received any letters or phone calls of this debt I don't now if these are my bills National XXXX XXXX is a third party that bought these supposedly dept from the original creditor I don't old them nothing by law nothing have been validated the amounts are XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars, XXXX dollars

Company response to consumer: Untimely response
Consumer complaint received 2018-03-08
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account is reporting in error. It says on my credit report that the account was opened in XX/XX/2017. I have not been to any hospitals or doctors in years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ProCollect, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I recently filed a complaint with the XXXX XXXX XXXX in regards to an entity known as Pro Collect. The issue pertains to an item that was posted to my consumer credit file with XXXX XXXX in the amount of XXXX. The item was not validated and I was never afforded the opportunity to respond to the accusation. 
I was never given notification by Pro Collect of the alleged debt prior to it showing up on my credit report I was never given the opportunity by Pro Collect to request documentation that could validate the alleged debt. 
I was never given notification that I had 30 days to respond to the accusation of debt by Pro Collect before it could be assumed as pertaining to me. 
I did not receive written notice of : The amount of the debt, or the name of the creditor to whom the debt is owed. 
I received notice from the XXXX  that Pro Collect had sent a response to them. In the response Pro Collect states that there are somehow multiple alleged debts regarding this item, totaling XXXX which until that very moment had never been revealed to me. I have found out about the alleged total balance of this alleged debt that Pro Collect appears to be attempting to collect on via a third party which is a clear violation of the Fair Debt Collection Practices Act ( Section 805. Communication in connection with debt collection ) { ( b ) Communication with third parties }. This is merely one of many violations of the FDCPA by Pro Collect that is known to me at this time, it is as if they are truly immune to the FDCPA and know that they will not be held accountable for these actions.

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 2018-07-03
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After issuing a subpoena to XXXX for records relating to communications between LexisNexis and XXXX regarding the public records item US BKPT CT IL XXXX XXXX as held by LexisNexis, I received a document that proved, ( contrary to LexisNexis explicit communications to me, no less than four times. ) LexisNexis has continued to report this item willfully, again, after clearly communicating with me that LexisNexis was no longer reporting this item. PLEASE REVIEW ENCLOSURES Additionally, notice the inequitable response to me, XXXX XXXX as opposed my wife, XXXX XXXX. The case number is the same. I would love to know the why? behind this. 

On XX/XX/XXXX, I will file a lawsuit against LexisNexis for every month since XX/XX/XXXX they willfully reported this public record to XXXX after claiming to remove it from my record. LexisNexis has included in the enclosures, deceptive statements, that if they in fact practice, are in direct violation of FCRA regulations. 

As FCRA regulations make clear, XXXX can only get this information from a public records vendor. LexisNexis is the vendor of record for XXXX. LexisNexis has the duty to expedite ( 4 days per FCRA ) removal of this record factually from XXXX. 

In the interest of not wasting court time, LexisNexis may contact me by phone with a settlement offer plus court cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my mortgage company, PennyMac USA, about my Loan ( XXXX ) on XX/XX/2018. I'm currently unemployed and asked for a short-term forbearance because I'm struggling to make my payments. I was rejected because I paid XX/XX/2018 and wasn't in default. They said I didn't qualify for a short-term forbearance because I wasn't 3 months behind in my payments. 

I told them I'm trying to be proactive and let them know that I'm struggling financially, but actively looking for full-time work. They said I needed to be 3 months without payment before I could qualify to " not pay. '' I'm afraid that if I don't pay for 3 months, they'll start the foreclosure process. 

Please help. I want to remain in good standing, I'm looking for full-time work, but I need a short term forbearance while I regain income. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. LIGHTSTREAM on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

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 2020-12-03
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX XXXX is reporting account number XXXX on my credit report and it should not be on there since I was apart of the Multi State AG Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Earlier this year I found out my personal information was involved in a large data breach from XXXX, and other agencies.I attempted to have the inaccurate information removed but they refused. I submitted police reports and other documents to show the information was not mine, yet they still refused to remove it.

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 2018-04-11
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Consultants call from the following numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ameritech Financial helped me enroll in a loan forgiveness program for being in public service ( I am a XXXX ). They did not disclose to me that there would be a monthly payment to them for their services. I am currently paying them {$100.00} a month through XXXX XXXX XXXX ( XXXX ). 

I received a letter from the Federal Trade Commission stating that they are currently suing Ameritech Financial for deceptive practices. I am acting on the steps included on the letter I received. 

I have contacted Ameritech Financial with the intention of cancelling my account, but they have not called back due to unusually high call volume. It is my intention to seek a refund of the money I have given to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax broke the law. They did not have me permission or consent to furnish these reports, and have recently admitted to furnishing " millions '' of consumer 's reports inaccurately, and I, the natural person and consumer have been impacted. 

Pursuant to 15usc1681 ( a ) ( 3 ) Equifax assumed this role to furnish my information. Not only did they assume this role, but they didn't have my permission in the first place. Per 15usc1681 ( a ) ( 4 ) Equifax did NOT exercise their " grave responsibility ''. Equifax was unfair, partial, and did not respect my right to privacy. 

In accordance with 15usc1681b ( 2 ), I never instructed them to furnish this report, or create this report. I never consented to this report in the first place. 

I do NOT need an investigation, or reinvestigation. I provided the company with these laws 30 days ago, and was given a generic " validation '' of the below accounts. With recent news of the company 's erroneous acts of breach of privacy and consent, I'm demanding the items I have stated below be deleted from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: CURO Intermediate Holdings
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I obtained my consumer report on XX/XX/21 and I have a collection account that I believe are inaccurate and not fair to my consumer rights. I do not consent for my information to be reported to non affiliated third parties. This inaccurate reporting to the bureaus of my information needs to be stopped immediately according to 15 U.S.C 6802 section ( b ) I have this consumer right according to 15 U.S.C 1681a section ( b ) I have the right to authorize exclusion any information or credit given to me as the consumer from being reported. My information being reported is not only inaccurate and impacting my life as a consumer but is causing me incredible amounts of emotional distress.

In addition : They are in violation 15 USC 1692d as well for reporting to my consumer reports this is ruining my reputation and it is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: MS
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 contacted Experian on numerous occasions for their company to legally Verify inaccurate information on my credit report. I have requested numerous times for them to send me any original Documents or Contracts with my Signature on them legally binding me to the frivolous Charge-offs, Derogatory, Collection accounts that they are reporting. I have not received any original documents stating such. I want to see those original documents. 

Their response to verifying my accounts was a method of a Data Furnisher, Third party companies

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 2021-02-23
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/17, XXXX along with ERC is claiming that I owe {$170.00}. Which I believe is FRAUDULENT. I never conducted business with XXXX during 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax is inviolation of the FCRA Federal law, they are illegally opening anc closing and account listed on my credit report and updating the balance from XXXX to {$15000.00}. I have filed complaints with the attorneys general office and I plan to file a lawsuit if equifax does not permanently close the account listed as XXXX XXXX XXXX XXXX because it was paid in full on XX/XX/2018. I have provided proof to equifax that this account has been paid in full and they are still illegally reporting this account on my credit reports and illegally opening and closing the account.

Company response to consumer: Closed with explanation