BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-16
Company: EQUIFAX, INC.
State: AZ
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:
Notice, am XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX. 

This written request is in response to consumer reporting agencies ( i.e XXXX, XXXX or Equifax ) decision to decline to block the information I have identified as identity theft. I have the right to believe and do so believe that the consumer reporting agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may be conspiring against my rights according to 18 USC 241. 

I have yet to receive any notarized affidavit from a consumer reporting agency or Senior Executive of the company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ) stating that I received goods, services or money under penalty of perjury and provide lawful proof. 

I am challenging the accuracy and integrity of the consumer reporting agencies and each company ( i.e XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX XXXX  ). I have attached documents of my consumer report which include many inaccuracies. 

XXXX XXXX XXXX XXXX : The date opened, balance, number of months ( terms ), past due, and payment status are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX : The monthly payment, date opened, balance, number of months ( terms ), last reported, date last active, and date of last payment are inaccurate amongst all three consumer reporting agencies. 

XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX as a furnisher must substantiate the alleged account with records at the time it was furnished. These companies must minimize the likelihood that information may be reflected inaccurately on my consumer report. 

Each consumer reporting agency prepares my consumer report and must follow reasonable procedures to assure maximum possible accuracy of the aforementioned information concerning my consumer report. These procedures include, but are not limited to, the investigative reports that I have yet to receive. 

In order to comply with federal law, XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX must provide full disclosures ( i.e any actual records of accounting ), a signed invoice, proof of equal consideration, and a true copy of the contract with my blue wet ink signature and XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX XXXX wet ink signature. 

In the event XXXX XXXX XXXX XXXX or XXXX XXXX XXXX fail to provide said documentation, I demand that all alleged accounts from either company be properly recorded and officially acknowledged within their records and any other agencies as non-existent, including but not limited to, all debt collection and/or consumer reporting agencies. 


Signed, Without Recourse. XXXX XXXX, consumer and authorized representative d/b/a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : PENNYMAC LOAN SERVICES Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Experian has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX not mine

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 2021-11-16
Company: Professional Collection Service Inc (GA)
State: NV
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:
THE COMPANY, PROFFESIONAL COLLECTIONS SERVICES, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: MI
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:
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 U.S.C 1681. 

XXXX  XXXX XXXX XXXX -Account # XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 Section 602A : That I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states, a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, which antedates.

The reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-11-16
Company: Colony Brands, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
GINNYS - I have paid this account over two years ago and asked the credit bureau XXXX to remove it from my credit file. And XXXX will not remove the account. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan Balance on XX/XX/XXXX Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount Original loan amount Monthly payment Paid

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: DISCOVER BANK
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I used Discover credit card to purchase a 6 month vehicle insurance policy from XXXX insurance in the amount of {$570.00}. 
On XX/XX/XXXX i realized that i had been charge twice in the amount of {$1100.00} dollars by XXXX insurance after looking back into my Discover credit card E-statements dated XX/XX/XXXX thru XX/XX/XXXX. 
i contacted Discover and they opened a claim under case number XXXX, and i contacted XXXX XXXX and they provided a receipt stating that is was not an error from there part that they had only charged once in the amount {$570.00}, there for and error on Discover card services. 
I have not received a email, or letter as off XX/XX/XXXX with a resolution on this charged on my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2017 I lost my job. 

I sent over 15 copies of required and requested forms by Navient by fax and US Postsl mail and they provided no assistance. 

They with held information on available forebearance options as a means to put my account on hold so they could damage my credit history. 

I have since lost over 100 points on my credit which will impact my job search.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Was not notified of investigation status or results

Complaint:
I have noticed unauthorized items appeared in my report. So, I am requesting that you delete this ACCOUNT from my credit report immediately. Sent them a letter last XX/XX/2022 regarding it but I haven't received any response from them. It has more than 30 days from that date. This is a total inconvenience to me and caused a lot of stress on my part. Also I felt I am being taken advantage and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
[ XXXX XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX ] [ XXXX, mi, XXXX ] TransUnion XXXX XXXX Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are listed. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, 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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Please correct this immediately. It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account : **** XXXXXXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : 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 2019-07-27
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:
A new collection appeared on my Experian credit score, the collection is from XXXX, a company that I've never had business with -- I have been experiencing credit fraud, and I called to dispute this item XX/XX/2019 I called Experian and disputed this item as soon as I got an email notification about it -- XX/XX/2019 Experian marked this collection as accurate -- XX/XX/2019 - AGAIN, I have no idea what XXXX does and I've never done business with them! I do not know why they would declare this to be accurate.

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 2020-01-23
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, my house was caught in a fire and my insurance company ( XXXX  XXXX  XXXX XXXX XXXX ) came out and assess the damage and agreed to pay for all the repairs. The payment came out under my name ( the owner ) and the bank name XXXX XXXX XXXX XXXX. while the work was in process the bank of XXXX transfer the service to the XXXX XXXX XXXX from there ; the service was transferred to Fay servicing LLC. While the work was in progress, the bank Fay servicing LLC sent out an inspector to supervise the work and it was XXXX percent completed at that time and on XX/XX/XXXX, the bank again sent out another inspector XXXX XXXX at this point the work was XXXX XXXX percent completed. Since the work was completed I was expecting that the remaining balance in the amount of {$11000.00} would have been paid off. After waiting for a long time or getting no response or receive the payment, I made a call to Fay servicing LLC to make a request for the payment to be made. Up until this date they did not respond or show any sign that they were going to pay the balance even though they received the money from my insurance company. Due to the fact that they did not want to talk to me after I called them so many times about the payment, therefore, they leave me no choice except to file a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, INC.
State: NM
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 am sending a complaint regarding the inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX Balance : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08
Company: TCF NATIONAL BANK
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
At XXXX XXXX EST on XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX XXXX owned by TCF bank to attempt to settle on a debt that I had on my vehicle loan. The representative that I spoke with XXXX XXXX was rude and abrupt. He very early in the call stated he believed I never had any intention on paying the debt. I advised him that it was uncalled for and he didn't have the right to be condescending or rude to me, that I called with every intention on setting up a settlement. He then proceeded further in the call to advise me that it was likely in my best interest to get a bankruptcy lawyer and stated that I should do it today, possibly after our call and that my credit would be very negatively impacted by the balance. I advised him that I was well aware of the debt and that was why I was calling and that the loan had already been charged off. There was no justifiable reason for him to do this. I felt threatened, and that he had mischaracterized me. I then requested to speak with a supervisor but he continued to speak down to me and refused to honor my request to speak to someone in management. He proceeded to be rude and snide with me during the duration of the call. He even at one point chuckled on the line. At this point I demanded a supervisor which he then finally honored my request and transferred me over to XXXX XXXX who stated he was the supervisor the delinquency mititgation department. He proceeded to reassure me the call would be reviewed but didn't see very interested in the fact that XXXX XXXX. I am also reporting this to FTC, XXXX and looking into pursuing legal action due to the infraction that took place today. This was not the first time I have had an incident with XXXX XXXX XXXX XXXX XXXX. In a previous call made in XX/XX/XXXXa representative told me that although the vehicle was totaled they could still send out a repossession agent to the home and bill me for it in a malicious attempt to collect a payment and in a call prior to that a rep told me that collection laws were updated and that XXXX XXXX could start reporting me late to the credit bureau even if it was 1 day past due. After all of the abuse and harassing phone calls I am now submitting this because I feel the entire organization needs to be investigated for false claims and laws which are a direct violation of the FDCPA. I am requesting a higher representative contact me immediately concerning this matter and all recorded calls need to be listened too.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation