BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: TX
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:
I have been disputing a collection account on my credit report that I do not believe should be on there as it was wrongfully sent to collections. I have been asking the collector via the credit bureaus to validate the collection so I know exactly what is owed and what it is for. I have never gotten any correspondence other than the collector saying that the amount is owed but not what it is for. The account is designated as open and then closed. Has been deleted and then reinserted with no correspondence as to why. I am not being update other than by my credit monitoring.

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 2020-07-24
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: Was not notified of investigation status or results

Complaint:
I disputed a few accounts on my credit report back on XX/XX/XXXX. It has been nearly two full months and I have heard absolutely nothing from the credit bureaus. I understand that mail may be delayed a bit due to Covid, but it is nearly double the time they have to respond. I believe that they have no intention of responding to me and that is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Phoenix Financial Services LLC
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:
The PHOENIX FINANCIAL SERVICES has added an older collection account to my credit profile as a " new '' collection from XX/XX/XXXX, it was sold to them this year, not opened this year from the first date of delinquency. This has severely damaged my credit score. The original creditor ( XXXX XXXX XXXX ) shows that the open date for the account is, I believe XXXX of XXXX, not the open date that PHOENIX FINANCIAL SERVICES has reported to the credit reporting agencies. I believe this account has been re-aged or has been reported the wrong open date from what the original creditor provided. I am not familiar with this debt, and to see how this debt is damaging my credit score and future, is deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: AMERICAN INTERNET MORTGAGE
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unable to ascertain the amount due for my XX/XX/2020 monthly mortgage payment. 

I have asked AIM Loan to tell me how much is owed for the payment but they have failed to respond. On XX/XX/2020, i sent an electronic message via their secure message function on their website asking for them to advise on the amount due. As of XX/XX/2020, they have failed to respond in any way. 

On XX/XX/2020, payment for the amount I -believe - is owed was paid to AIM Loan. The payment cleared the bank. However, AIM loan 's account service website does not show the payment being reflected as of XX/XX/2020. 

On XX/XX/2020, I contacted AIM via telephone to confirm payment was received and that payment was full. The agent advised payment was received but was unable to tell me why it was not applied to my mortgage or if the amount paid was correct. 

AIM Loan does not appear to be responding to even basic inquiries and appears to be misappropriating consumer funds. I ask for CFPB to review and take action, up to and including seeking to prevent AIM from initiating or servicing mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2022-07-08
Company: ERC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: AZ
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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Previously I had an issue with unauthorized activity to my XXXX account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.

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 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
K my name is XXXX XXXX XXXX well you already now that we got money cuz of the XXXX well i got my money and i had it in my card still i wasn't trying to spend like every one else i really trying to by myself a car so i told myself to buy a car so that u can go out and find a job well i had called to get myself a card cuz my money wasn't adding up right with my money so i got my new card like in the middle of XX/XX/2020 so it had like {$4500.00} well i had to pay my rent cuz u now i have been staying in a motel do to not having my own place so i took out {$700.00} and then i took out {$500.00} just so i can have some money in my pocket well i found a room to rent from a friend well i try to take out the money so that i can pay the rent money well to find out my card was lock so i called the bank to see what had happen and they told me to edd which i did and they told me to send them copy of my Id and that to give it XXXX XX/XX/2020 and my card should be ready to use well i have the bank of America app on my phone so well the days went bye XXXX the XXXX of XXXX came so i was checking to see if my money was still they and it was well i gave it XXXX XX/XX/XXXX and i only had {$500.00} on it well ever since then I've been calling and calling but they kept telling that edd was going to put it back on my card but then i called edd and they tell to call the bank cuz they anit just going to give money and then take it back so oh no but the must crazy thing is that i called to see when was the last time i took money out now know that i don't or couldn't take any money out do to i was waiting for edd to unlock my card right well it was telling me that i had took money out on the XXXXand on the XX/XX/2020 but there was no way it was me cuz my card was locked so oh but now i am still waiting on my new card cuz i lost my and i've been waiting on it since the XXXX of XXXX well someone is still taking out my money and i call the bank over and over and just keep telling to call edd and i have but they said that i need to talk to someone from the claims well i have TRIED and tried and tried but no luck so can u guys please help me out thank u 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 2023-03-31
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: Information belongs to someone else

Complaint:
Back in XXXX of 2022 I reached out to all 3 credit bureaus plus the creditor which is XXXX XXXX. XXXX was successfully able to dispute and block the fraud account which is XXXX XXXX BUT Both XXXX and Equifax still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: M&T BANK CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

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 2018-03-03
Company: LEXISNEXIS
State: OH
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 would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regarding all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.I have been having a lot issue This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX 1997 XXXX CT, XXXX, OH XXXX My Full name is : XXXX XXXX XXXX XXXX Please delete any other variations from my file. 
My current and only address XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Please remove all other addresses : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX. 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: Credit Plus Inc
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 in the process of buying a home with my husband. 
We worked with this company " Credit Plus '' We authorize them to make 1 credit run, but then I found 7 hard inquiries on my XXXX and 6 on XXXX. ( thru XXXX XXXX ) I already contacted the company multiple times, to different numbers, and I keep getting no answers. 
I called XXXX and they advice me to create a report in order to take care on those inquiries that are hurting my credit score significantly. 
Thank you. 

Inquiries : Name date 1. Credit Plus XXXX XXXX 2. Credit plus XXXX XXXX 3. Credit plus XXXX XXXX 4. Credit plus XXXX XXXX 5. Credit plus XXXX XXXX 6. Credit plus XXXX XXXX 7. Credit plus XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
U have three accounts reported to idintay theft and the credit bureau of Experien refused to remove or take the id theft report and gave them the id report but refused to investigate the mater and after two thirty days waiting they brushed me off and the report stay the same.

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 2023-03-31
Company: CCF Intermediate Holdings LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
XX/XX/2023 went to pay my payment she had the door lock came and unlocked the door and slammed a paper on the door was really rood about everything and than she made the comment problem can't pay it anyway cause your on ssi this was at check into cash in XXXX mo XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I received an insurance reimbursement claim check in the amount of {$48000.00} from XXXX XXXX for Hurricane Irma damage. Summary of Loss Roof {$51000.00} and {$2800.00}. interior repairs less deductible of {$5800.00}. The check is made payable to myself, the adjuster, and Regions Bank. The adjuster and I went to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX on XXXX/XXXX/2020. We have them the claim report and attorney loss settlement communication including the insurance company breakdown of the reimbursement, the roof replacement contract including paid summary and release of lien. The rep that addressed our need XXXX XXXX indicated that an inspector would call in a few days and that once the inspector came to the home, I could return to have the check endorsed. On XX/XX/2020 I emailed XXXX XXXX to follow-up and never received a response. I then sent a message to Regions via my online banking and received a response to call the branch. I never received a call back from XXXX XXXX. I called Regions XXXX to follow-up and on XX/XX/2020 I emailed Customer Service at XXXX the settlement letter explaining that it was the only documentation provided by XXXX XXXX. I also sent them all of the receipts of the repairs that were done. I called XX/XX/2020 and Regions said they would review. I called XX/XX/2020 and again XX/XX/2020 when XXXX said I would hear back from an inspector within three days. I called again Tuesday XX/XX/2020 when XXXX referred me to a supervisor who called back and again said they needed the detailed settlement. He apologized that Regions was using a new system and they were having computer issues with system failures. After a long talk, finally they he said that an inspector will call within three days. Since I have provided proof of payment for a roof replacement and that is the bulk of the reimbursement and only {$2800.00} is for the interior work, I sent pictures of the interior work to Regions. This morning I called Regions again and they said that because of the holiday it may take more than 3 days for an inspector to call to schedule the appointment. I believe that it should not take a month for Regions to contact me for an inspection. They have proof of payment, invoices from the contractors, and claim settlement from XXXX XXXX. My HELOC account is current and I have not been late since inception. Payments are deducted from my Regions checking account. All payments to the roofing company and contractors have been through my Regions bank account. My HELOC  with Region Bank ( XXXX Florida ).

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 2023-03-31
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I got an alert on XXXX XXXX about a collection account in tune of {$9200.00} in XXXX of XXXX owed to original creditor : XXXX XXXX XXXX XXXX XXXX . 

I called to dispute but nobody would talk to me. 

Someone in Massachusetts is using my SSN to rent apartment and utilities. I have never been to Massachusetts or California or its suburbs I leave in XXXX Florida for th longest. I have a fraud alert on my credit report so please do not grant or extend aid to anybody under disguise that its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: FORD MOTOR CREDIT CO.
State: NC
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:
LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. 
Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 
Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. 
An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. 
Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.

Company response to consumer: Closed with explanation