BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
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:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2023-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my mortgage payments in XXXX and when I got back on my feet, I applied for a mortgage modification. I sent in an application, bank statements and pay stubs. I then called to see if everything was in. I was told I needed a Verification of Employment. I asked if they could send me a form. They said they could not. I looked for a Verification of Employment form online and found one from XXXX XXXX I had my employer fill it out and send it in. I then called today, XX/XX/XXXX, and was told that the form was not accepted and that the file was noted on XX/XX/XXXX. I sent the form in XXXX. I then asked if they sent out a letter explaining what exactly they need and if they included a form. I was told that no letter was sent, no call was made, no form was sent and all that was sent was a letter telling me to apply for loss mitigation - while there is an open loss mitigation review with missing documents. I feel like waiting 3 weeks while my bank statements and pay stubs are expiring is unacceptable. I feel like I am not getting a fair review, or SPS is not handling my file correctly. I believe I should receive a single point of contact who should be overseeing this file. I am in foreclosure and fear losing my home and my lender is making me feel like they are not honestly reviewing my file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: NY
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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-04
Company: WSFS FINANCIAL CORPORATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My Loan was transferred from Specialized Loan Servicing ( SLS ) to WSFS Bank to start payment in the month of XXXX. My wife and I are co-borrowers on the loan so we each pay half. I make XXXX payments for my half of the mortgage. {$140.00} every XXXX weeks then my wife also pays her half of {$280.00} once a month. I mistakenly sent the old servicer ( SLS ) {$140.00} on XX/XX/XXXX for a portion of the XXXX payment. They no longer serviced the loan at at that time so they sent the payment to WSFS Bank to be applied to my XXXX payment. That payment was never applied. I made XXXX other payments of {$140.00} to WSFS Bank on XX/XX/XXXX and XX/XX/XXXX in order to pay my XXXX balance. I called XXXX to see if they sent the payment and they sent it to WSFS on XX/XX/XXXX ( See Attached Payment log ). WSFS is showing no record of it and said that they would research it. That was on XX/XX/XXXX when someone called me to let me know my payment was late. They then stated they would research it again on XX/XX/XXXX when I called to ask about the payment. 
They Payments has still not been applied to my loan and I don't know where it is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my TransUnion credit report. My latest credit report shows 6 credit inquiry/ inquiries that I did not authorize. 
XXXX XXXX XXXX reference number XXXX Date XXXX XXXX XXXX XXXX reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX  - reference Number XXXX Date XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX- reference Number Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am writing to dispute the following inquiries and asking for their removal from my credit report.Please have these/this unapproved inquiries/inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2023-12-02
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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 contacted this company multiple times letting them know that this is not my account and nothing has been done. This account does not belong to me. Please remove this fraudulent account from my credit report. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Amsher Collection Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have received a letter from a company called AMSHER COLLECTION SERVICES INC. 
This company is located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX.This company is attempting to collect a debt that we dont owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
There is a pending investigation into XXXX Uiversity for fraudulent practices. My Navient federal loans have been pulled from my bureau reports until a resolution to the matter is found, but my private student loan -which is the bulk of the loans taken out for the school-still remains on my bureau report. I have called Navient multiple times, but anything beyond the status of a loan goes unanswered. When I ask to speak to a supervisor, I'm " transferred '' and hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last couple months, I have received repeated calls that show up as " No Caller ID ''. I receive such calls multiple times a day, almost every day ; they do NOT leave messages, and they do NOT identify themselves. I have attempted to answer calls received from No Caller ID multiple times, only to have the caller hang up on me. I unmasked the number using the copy/paste function on my XXXX, and " No Caller ID '' comes from the same number each and every time ( XXXX ). I have attempted to call this number in an effort to uncover the identity of my harasser, but my calls are blocked! I even paid for an online report to identify who is behind these calls, and I discovered it is a CELLULAR phone. Today, I answered such a call and was finally able to access an automated interactive menu, albeit without an option to speak with a live agent. The automated menu identified the caller as Comenity Bank. I do owe them money right now -- my mother was injured in an accident and I have been out of work caring for her since the end of XXXX. I plan to pay my balance, in full, within the next 10 days, when I receive my NC pension refund, after having left my position as a XXXX XXXX  so that I could continue to care for my XXXX mother. 

It is my understanding that repeated calls are harassment and, therefore, illegal. I do not know if the following also qualifies as harassment, but I personally find it *incredibly* harassing to have a so-called legitimate business call from " No Caller ID '', ( and from a cell phone, at that! ) as they are intentionally masking their phone number so that I can not identify them or return the call. In masking their identity, they are hoping I will be caught off guard if I answer their repeated calls, which only speaks to the aggression with which they go after debtors. Maybe this is too much information, but I was once in an abusive relationship, and I just get REALLY nervous and anxious about repeated calls from someone who is intentionally trying to mask their identity. That stress, to me, far outweighs the LESS THAN {$300.00} that I currently owe to this creditor. This company has been in hot water before, but yet continues to use predatory tactics with their consumers. It is despicable, and I will close my account the moment my balance is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2022 XXXX a lawyer who was helping me resolve this disputed debt called into Ic System which department states if your an attorney -- XXXX XXXX claimed to be an attorney representing the company, and when XXXX addressed ask if she was speaking with an attorney in office, ask us to hold while she transfer us to the Consumer affairs department which we then spoke with XXXX XXXX started laughing at us and raising her voice, telling us pay bill or action would be taken against us even taking jail, XXXX XXXX told her she was ending the call because this was violation of the FDCPA and lying about us talking with a lawyer and refusing to answer questions didnt believe we was calling a company that was giving false information., I called back and then spoke with XXXX who XXXX up on me. This company has never sent me anything and this company claimed I was calling a lawyer.. THe company was purchased by someone else, they refused give information.

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 2023-04-11
Company: EQUIFAX, INC.
State: MD
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:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Explanation : To my knowledge, these multiple inquiries were unauthorized. I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as their accuracy per FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
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:
To someone that can help me, I am very deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING LLC Account : Accounts ending in XXXX for {$460.00}, XXXX for {$730.00} and XXXX for {$1100.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with LVNV Funding LLC and do not have a contract with LVNV Funding, LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and LVNV LLC continues to report negative information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Kikoff Inc.
State: CO
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 noticed, ( while on XXXX XXXX ) a new account opened on my credit report through XXXX XXXX XXXX. It had an incorrect place of employment and I never opened an account with them. I contacted XXXX and submitted a complaint. They responded a couple of days later that the company said the account was mine. So I called them and they wouldn't answer their phones. So I emailed them. They responded telling me they don't recognize my email and asked me for all my personal information. I didn't want to do that at first but I finally agreed to give them my last XXXX digits of my SSN. After that, they said they found the account and froze the account. But they said I am still responsible for paying it. ( I didn't open the account, I don't receive bills, and I don't have account information or passwords to pay the money I didn't even receive. ) So, because it is not being paid, they keep reporting me to XXXX and my credit score is going down. It's only {$25.00}. But it is destroying my good credit and I have no way to stop it. And they refuse to take responsibility for fraudulently opening and account without verifying the information! I don't know who has my SSN out there but I put out a fraud alert through XXXX. No reputable company would think that you should be liable after you show them proof that you did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have previously disputed XXXX XXXX bankruptcy discharged/ Reference # XXXX XXXX  with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EdFinancial Services
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to settle this debt on numerous occasions with the company. A list of documentation was requested and not received within 10 days of XXXX, which is the date they received it, and they are in dishonor meaning the have agreed to the terms. 
1. Validation of debt 2. A sworn affidavit of their claim against me. 
3. A copy of the contract signed by both parties 4. A true certified copy of the Original Note 5. A confirmation of the individual who is the duly sworn authorized representative from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TD BANK US HOLDING COMPANY
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:
I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from TD bank. 
All TD checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but TD refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
THESE ACCOUNTS IS NOT MINE AND THERE ARE SOME THAT HAVE INCORRECT INFORMATION. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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