BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-19
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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2021-06-29
Company: SOUTHWEST COLLECTION SERVICES INC.
State: NV
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:
Company did not provided me with any information when asked for a validation of debt because the account is almost 4 years old, company has been reporting inaccurate information to my XXXX  report. Southwest Collection Services has never contacted me in any way shape of form. They are threaten to damage my credit by report higher balances, neither the original creditor or the collection agency will validate the debt, I filed a dispute with XXXX  and they responded by saying the debt is accurate but won't produce any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is one of my numerous attempts to inform credit bureaus that I have been the victim of identity theft and that I want to check specific data in my documents that were obtained as a result of the crime. The records I'm looking at have nothing to do with any purchases of goods, services, or money that I've made or authorized. Remove off my credit record any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
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: Their investigation did not fix an error on your report

Complaint:
I have tried several times to let the bureaus know there were fraudulent accounts listed on my report. According to law these items must be removed. I did not consent to any of these items that are placed on my report. I was denied employment several times because of my report and I noticed these inaccurate items are hurting me the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Common Wealth Financial Systems located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: FIRST GUARANTY MORTGAGE CORP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I started the refinance process with Good mortgage who contacted me on behalf of XXXX XXXX XXXX, around the middle of XXXX. I have yet to close on my loan or commit to any of the home appraisals requested as the lender would put in a work order and then not follow through on closing on the loan. The lender which is XXXX XXXX explained to me I was in an unbalanced debt to income ratio. I explained to him before he even ran my credit what I owed payments and loans on. He reassured me and ballooned my income to the underwriter in which they requested the same docs as he. They kept asking me to upload docs and when I checked my credit history pull, they pulled my credit 2x which is why I explained to him, I did not want my credit ran if he could not actually verify my income. Soon after running my credit he then offered to look into my financials which is what I asked him to do from the beginning. He then said my Debt to income ratio was high and that I had to pay off one of my loans and when I paid the loan off he was atonished and then asked who paid if for me as if I did not have any money or were not capable of paying off any of my debts, which I thought was a slap in the face. I then felt like cursing him out as I WORK very hard with three jobs and one side job that I just started. I believe they were sent to keep delaying the process of me finding a lender ( better lender ), they keep pulling my credit score and are trying to keep me stuck within XXXX XXXX XXXX XXXXenders, who have me capped out at 5.0 % and I was searching for a cheaper interest rate and they knew that as I EXPLAINED THAT TO THEM OVER THE PHONE as they ballooned my mortgage payments to the point where we thought we were going to have to default on the loan. They target weak individuals who know nothing about mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Funds have been removed without permission from my account, mother 's account ( XXXX ), and/or wife 's account without permission and possibly savings and checking. I have on a number of occasions gone to the branch bank to check where the funds have gone and to interpret my statements. I have not removed that much money! My involvement in her account began in 2006 upon her XXXX. There have been many account number changes in attempts to stop funds from being fraudulently withdrawn, and unaccounted.

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 2020-09-08
Company: Experian Information Solutions Inc.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2017-08-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I moved in XX/XX/XXXX. I made numerous notifications to XXXX XXXX / Chevron regarding this change of address and subsequent transition to a new email address. In XX/XX/XXXX, I closed the account due to the inability of XXXX XXXX / Chevron to accommodate these changes and properly notify me of any monthly dues in the form of a statement ( both US mail and e-mail ). I closed the account in XX/XX/XXXX and recently discovered that XXXX XXXX / Chevron retaliated against me for this closure and reported a 30 day late on XX/XX/XXXX. This revengeful act occurred because my last few conversations with XXXX XXXX/ Chevron were unpleasant. I have contacted them regarding their intentional maliciousness against me an entire 3 months after the account was closed.

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 2020-11-23
Company: Colony Brands, Inc.
State: MO
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:
Re : Unauthorized Credit Inquiry Account # XXXX XXXX XXXX XXXX Swiss Colony/XXXX and/or Colony Brands in XXXX, Wisconsin I have been a loyal customer of XXXX since XXXX, XXXX. During this time, I have enjoyed the clothing, shoes and boots. Choosing to pay down my balance before ordering anything else, which Ive done my current credit limit is {$1100.00} ; available credit is {$1000.00} with an outstanding balance of {$150.00}. 

On XX/XX/XXXX recently receiving your current catalog I saw a beautiful sequined dress and placed an order for it. On XX/XX/XXXX I received and email stating that I needed to pay for the item in full. On XX/XX/XXXX I was notified by XXXX that a hard inquiry was made by Swiss Colony/XXXX  on XX/XX/XXXX that I DID NOT AUTHORIZE. Further, XXXX reported AGAIN to the three credit reporting agencies that I was 30 days late I was 30 days late in XXXX, XXXX which was reported XXXX, XXXX. However, XXXX also reported the same late payment AGAIN to the three credit reporting agencies on XX/XX/XXXX! HOW CAN YOU REPORT A LATE PAYMENT TWICE it dropped my credit score 30 points for a 2nd time because the same late payment was reported twice!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Receivables Performance Management, LLC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX, I had my service disconnected because I got very sick and couldn't afford the extra expense. 7 months later, I have been getting daily, and nightly phone calls from a debt collector who is saying I owe XXXX to XXXX. the amount has increase from XXXX to XXXX. I contacted XXXX to say i do not believe I owed them that much, because for the entire duration of my sat service, I had to call each month billing cycle and dispute charges. I have asked several times for them to show me the proof that I owe them that much. They have said they would send me something in the mail, i never received it. now their collection company harasses me, they are rude and call all day and night. 

i'd pay what i owe, but don't want to pay for what they can not prove. 
The collection company is RPM Receivables Performance Management , LLC

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 2020-04-01
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
RE : XXXX This request is in response to your tradeline listed on my personal consumer file related to potential negative debt ; referenced above. I am aware that your company has the ability/legal rights to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. Unfortunately, the negative item is factually accurate, reporting the negative mark was well within your right, even if it damages my credit standing. As granted by the fair debt collection practices act, I fulfilled my right to dispute this debt. Today, with the account being closed ; I see no other reason for your tradeline to remain on my file accept to maltreat. Not every merchant reports your credit activity the same way. Some lenders report to all three agencies ; some to just one. And because theres no legal obligation for merchants to report credit information, some never report your activity to any of them. Its completely voluntary. In addition, not every vendor do business on credit. For example, doctors dont typically report your payment activity to credit reporting agenciesunless they send your bill to a collection agency, at which point it will likely show up on your credit reports as an outstanding debt. There are laws, however, governing how your activity is reported. In 1970, the Fair Credit Reporting Act created a legal framework for credit reporting agencies and outlined the rights of consumers as wellincluding your right to a free copy of each of your three credit reports annually. Because credit reports can contain a lot of information, credit scores were developed to sum up the credit behavior reflected in credit reports with a convenient score. Above all, improving my overall credit worthiness is why I request a complete removal of your tradeline. In conclusion, thanks in advance for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have had received several contacts from XXXX Portfolio Services in reference to an alleged account that I owed to XXXX XXXX. In an attempt to stop contact I agreed to XXXX offer to settle an account with paying XXXX XXXX dollars. They agreed to delete account from the credit bureaus that they utilized ( XXXX, XXXX, XXXX ). XXXX lied and utilized tricky methods to get me to pay this allege account. Knowingly having no intentions of deleting account. XXXX carried out deceptive method to trick me to pay this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Works & Lentz, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX, 2017 2 accounts were removed from my credit report. On XXXX XXXX 2017 they were added back without any notice. This is illegal. XXXX XXXX XXXX XXXX Added back on XXXX/XXXX/2017 without notice.
WORKS & LENTZ INC-OKC Added back on XXXX/XXXX/2017 without notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Credit Plus 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:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account numbers, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-25
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: Reporting company used your report improperly

Complaint:
My credit was ran without my permission I have text messages and proof that my information was illegally ran and they still wont fix the issue. XXXX should not me on my inquiry this is fraudulent I didnt give them permission to run my credit I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  XXXX Trustee for XXXX XXXX XXXX Title Trustee and XXXX XXXX are trying to foreclose with a modification breach of contract that the Servicers of XXXX XXXX, XXXX XXXX XXXX and Rushmore Loan Management have caused harm and pushed us into default and possible foreclosure by using the incorrect figures on the permanent modification dated XX/XX/XXXX with escrow balance figures from XX/XX/XXXX that is a breach of the modification contract in paragraphs 3 A. B and C. 

This complaint is being filed against all of the actors listed below in reverse date order. And we demand a reply to CFPB from each and every one of them. 

XXXX XXXX  XXXX Trustee XXXX XXXX  XXXX Title Trust XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ Rushmore Loan Managament XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation