BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
In 2019 I went to get some money out my account just to be told Midland Credit had a judgement against me. I was never served by Midland credit or my bank huge federal credit union. At the time they said l owed XXXX. They took XXXX out my account. I have a court date on XX/XX/XXXX. Its for garnishment. The person they served was not me. I filed a few motions explaining to the judge its not me. The judge goes pay the money. During the time this went to collection l had servers l accounts that someone hacked into including my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-12-06
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: Old information reappears or never goes away

Complaint:
XXXX XXXX continues to report an account on my credit report that is has is more than 7 years old and should be removed immediately. They falsely reported that the account was closed in XXXX of XXXX but that is completely false and inaccurate. The account has been closed since XXXX and should be updated and completely removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: VA
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 lif accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 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 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 explanation
Consumer complaint received 2020-01-22
Company: Navient Solutions, LLC.
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have never stepped foot or sat in a class at XXXX University or XXXX college . 
the school was closed for fraud. the school opened these loans in my name under false, an misrepresentation I have tried to contact sallie mae who knows why the school closed they have no records. I've contacted the XXXX Attorney Generals office/Criminal division/ Citizen Services. I filled a claim last year. I was told it is under an investigation. I have checked but no response yet thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Resurgent Capital Services L.P.
State: NC
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:
According to the FCRA this company LVNV FUNDING LLC needs to provide me the consumer with proof of purchase of my personal information that includes dates, and amounts and everything included with the sell of my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Tuesday, XX/XX/2020 XXXX XXXX  I sent an email to XXXX XXXX, NMLS ID # XXXX, a Mortgage Loan Officer for PNC Bank , National Association ( NMLS ID # XXXX ) associated with XXXX XXXX XXXX, XXXX, NJ, XXXX office. 

The email included the address of an apartment, salary information, purchase price, and loan amount information. As we have previously worked with Mr. XXXX to obtain pre-approval letters, I was looking to engage his services again. 

On or about XX/XX/XXXX we have finished our application on the PNC portal and a credit report was pulled against our social security number. 

On XX/XX/2020, XXXX XXXX, my wife email the chain and informed Mr. XXXX that our offer was accepted, and Mr. XXXX asked to speak with her. On that call, Mr. XXXX said that he will not provide a Loan Estimate before we commit to PNC as our lender and provide a fully executed purchase price. 

On XX/XX/2020, XXXX XXXX  I emailed Mr. XXXX and reiterated that we provided all the information required to get a Loan Estimate per TILA-RESPA, and asked him if there is anything else that he was missing to issue a Loan Estimate within 3 business days. 

On XX/XX/2020, XXXX XXXX Mr. XXXX emailed back and asked me to call him about next step. During this call, Mr. XXXX said that he's been doing this for 20 years and never issues a Loan Estimate before a borrower commits to working with him because " he doesn't want people to shop him around ''. I asked if he refused to follow TILA-RESPA, and he said that PNC is very compliant and the online system would generate it if it was legally binding. 

I then tried to get back to the PNC portal, and the only thing I could see is that more information is needed and I need to contact Mr. XXXX. 

I then emailed Mr. XXXX at XX/XX/2020, XXXX XXXX  explaining that there was no way to enter any information in the PNC Portal and listed out the info we have provided him and when we provided it to him. I wrote that I expected a Loan Estimate within 3 business days in accordance with TILA-RESPA. 

On XX/XX/XXXX I called PNC 's customer service and described the situation. The representative was very concerned and assured me that the Legal department will contact me within 24 hours. 

I never heard back from anyone at PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: SECURITY FINANCE CORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018 - XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2023-02-23
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit card from Comenity bank- THE XXXX XXXX XXXX  card. I did not request or open this account. It is a full on card with number, expiration and CV #. The letter said subject to credit approval. I checked my credit report and it did not show up. 

The next day I received a letter saying there was irregular activity on the account so it was suspended ( still - never activated by me ). Told me to call the fraud line XXXX. If they didn't hear from me it " may be permanently closeed ''. 

I called and was on hold a very long time. Gave up. Looked for another option - report on the site? email? nothing. I called again and was on hold over an hour with no identification of how long it would take. Then they disconnected me. I tried again and the same thing happened. 

Apparently there is no way to talk to them so I give up. I put a fraud alert on my credit report. 

I should not be spending hours of my time to remove this. Please CLOSE THIS ACCOUNT AND FIND OUT WHO IS TRYING TO FRAUDULANTLY OPEN AN ACCOUNT IN MY NAME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-17
Company: Millco Management
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have two account that are in collections from Amerifinancial solutions that are representing XXXX XXXX XXXX XXXX. The first amount is {$600.00} that was reported on XX/XX/XXXX the second account through them is in the amount of {$890.00} and was reported on XX/XX/XXXX. 
These collection amounts were from when I had XXXX XXXX of Alabama and the provider did not bill them through XXXX as my secondary insurance for some reason. 
I have reached out to XXXX and they told me because it has been longer than 12 months since the service was provided they can not do anything and it would be between me and the provider. I have spoke to the billing department at the hospital and have been told it would have to go through XXXX. They are claiming they did not know I had XXXX XXXX during my services but I know they did and I had several visits to the labor and delivery department that were billed correctly through my insurances. I should not be responsible for my medical bills because the provider did not bill them correctly. It was their mistake and if they would have done it correctly I would not have any amounts owed. 

I also have four accounts that are open through XXXX XXXX XXXX XXXX that are in regards to the same issue representing XXXX  Alabama XXXX XXXX The first one is in the amount of {$120.00} opened on XX/XX/XXXX The second XXXX is in the amount of {$410.00} opened XX/XX/XXXX The third one is in the amount of {$150.00} opened XX/XX/XXXX The fourth one is in the amount of {$590.00} opened XX/XX/XXXX The dates of service in regards to these visits were as follows : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX I had XXXX XXXX from XX/XX/XXXX until I delivered in XX/XX/XXXX and then again XX/XX/XXXX until I delivered in XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Fig Tech Inc.
State: TX
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:
N. Accordance with the Fair Credit Reporting act Fig Loans Texas LLC has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
My credit score decreased from XXXX to a XXXX for incorrect information that was added to my XXXX credit report. It now states that I owe {$33.00} dollars which is most definitely incorrect information added onto my credit report by XXXX & that is absolutely Innacurate. The {$33.00} was a payment I made with my XXXX XXXX XXXX credit card towards one of my bills, and instead its showing as a debt I owe on my credit report. And for this silly error done by XXXX my credit score was reduced and decreased by XXXX points unnecessarily due to XXXX error. I need this fixed asap please. And I want my score back to the XXXX I had. Ive been paying off my student loans and its definitely not being correctly or accurately reported to none of the three credit bureaus by AidVantage. My credit score should not have been reduced by XXXX points by XXXX. If anything it should have increased instead. My current total correct balance for my student loans is {$3300.00}, and its not being accurately reported to any of the three credit bureaus by AidVantage and the wrong amounts/balance ( s ) are on all three of my credit reports with all three major credit bureaus XXXX, XXXX, and XXXX. I need this amount updated on my credit reports with all three credit bureaus please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
XXXX XXXX says they charged off over {$1000.00} in XX/XX/2017. I made monthly payments even after the account was closed and paid the balance off in full, but with late/missed payments in between. Last payment was for {$400.00} in XX/XX/XXXX/XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27
Company: Levy & Associates, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made all payments charge long ago, yet the company states I owed {$20.00} which in turn became {$340.00}. I was sent no information regarding that I had owed any more than I already paid and was charged fees for a bill that was fabricated by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
ON XXXX I " XXXX XXXX {$150.00} TO XXXX XXXX XXXX '' DONE BY XXXX MAXIMUM DATE. ON XXXX I RENTED XXXX, BECAUSE I DON'T HAVE VEHICLE, WENT TO CHASE BANK ON XXXX XXXX XXXX FLORIDA AND XXXX TALKED TO 4 PEOPLE THAT COULDN'T PUSH THE APPROVAL THROUGH SO THEY SUPPOSEDLY " STOPPED CHECK '' ON XXXX AND " IN 2-3 BUSINESS DAY 'S {$150.00} WILL BE PLACED BACK INTO CHASE BANK ACCOUNT " .. ON XXXX AT XXXX XXXX  I HAD TO CALL CHASE BANK AGAIN TO " STOP CHECK ''.. I FILED COMPLAINTS AND ON XXXX ON XXXX I CALLED XXXX WITH CASE NUMBER : XXXX AND TODAY IS XXXX AND MY {$150.00} " BILL PAY " IS NOT ON NEITHER ACCOUNT 3 WEEKS LATER AND NEITHER HAS CHASE BANK COMPLAINTS OFFICER CALLED ME BACK. NOW MY BILL 'S LATE AND MY CREDIT SCORE HIT BECAUSE I HAD TO USE CREDIT CARD TO PAY BILL'S..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

In regards to account reporting as : XXXX XXXX XXXX or XXXX ( account # XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Due to Financial reasons as a single mother Ive had to file for chapter XXXX bankruptcy in XXXX and then again in XXXX. Equifax, XXXX  and XXXX  all still currently have the bankruptcy from XXXX, all of my old addresses, old judgements and old inquiries still listed on my credit report even with me asking them to properly update this old information. I will never be able to move on to repair my credit with old lingering accounts post Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: DISCOVER BANK
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: Old information reappears or never goes away

Complaint:
Hello, you're currently violating my rights under the law. The IRS describes a charge off as gross or ordinary income and you're currently reporting charge off on my credit. Now tell me how's this reporting as debt? This is not accurate of fair information that you're reporting on my credit. Here 's one violation, 15 USC 1681 talks about accuracy and fairness of reporting. Second violation, 15 USC 6801 protects my information of non public personal information and also violation of 15 USC 6802 obligation to respect of disclosure and you did not provide me this information. You also, never sent me a 1099 cancellation of debt form. You have violated me. I need this charge off be deleted. I demand that this charge off be deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I requested for " Detail of the sale dollar transaction as it has been reported to US Department of Housing and Urban Development '' following FHA reporting guidelines. 

This is referred to as Final Settlement Statement ( i.e. HUD-1 and/or HUD form 27011 ) where the detail breakdown of funds distributed is disclosed with transparency to HUD, an official Government Agency. I requested this in my original complaint filed with CFPB but to no avail from XXXXXXXX XXXX XXXX. 

The response provided by XXXX XXXX XXXX is " This is a Conventional Loan. '' The Servicer simply sent a report of their internal accounting but that's not an official HUD/FHA disclosure.

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 2019-10-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX XXXX, NCXXXX  ( XXXX ) XXXX I did not authorize 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. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation