BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is wrong personal information on my report with Experian. Someone else 's name, social security number and addresses. I have tr I'd to get these removed several times. I sent proof of my name, address, and social security number. But they keep using a closed account to verify the information and I'm not even sure that account is not fraudulent .... 
There were 2 data breaches at 2 different hospitals I have worked at and I also found out a tax company had combined mine as well as anot her XXXX information. The other person had the same name but ss number, address and date of birth was different. I recently had a call from a recruiter and they had my name, my phone number but had another person 's address being in a state I have never lived as well as the wrong social security number. 
Per the law by me giving the proof with photo ID of who I am this wrong information should have been removed. They are refusing to remove the incorrect information which is causing me to have issues financially, job wise and this needs corrected. 
Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
MNET Financial shows up on my XXXX Credit report as of XX/XX/2018. I have written MNET on 3 occasions to validate this alleged debt and they completely have ignored my letters via the U.S. Mail. The 30 days they had as per the Fair Debt Collections Practices Act ( FDCPA ) and the Fair Credit Reporting Act have passed and therefore, it is a frivolous claim on their behalf. 

They have failed to notify me of my right to dispute the debt ( Section 809 FDCPA ). 

They never responded and they failed to verify of the debt. 

The Fair Debt Collections Practices Act States " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor. '' They have failed. 

Additionally, being a resident in the state of Texas, MNET Financial also has willfully violated the Texas Fair Debt Collections Practice Act, State Statue 392.202. They have notified me to please send them confirmation of the final XXXX XXXX XXXX XXXX disposition so they can further investigate. 

As of XX/XX/2018 : 1 .I have also notified the Federal Trade Commission . 
2. I have also sent a formal complaint to the Texas Attorney General 's Office. 
3. I have spoken to outside counsel and presented all of the evidence of this willful and deliberate violation where it is also causing continued financial harm. 

MNET Financial , Inc. until the close of business on XX/XX/2018 to remove and delete this credit trade-in from XXXX or I will file a lawsuit both in State and Federal Court against MNET Financial for willfully violating all Acts and causing continued financial harm by being denied credit and employment. 

Best, 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 explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX has failed to verify the debts in question. I've been asking for verification of the said debt as my youngest child is XXXX years old and I have not shopped for her at a XXXX 's XXXX  is many years. Every piece of furniture in my old is from a deceased family member and I can't tell you the last time I stepped into a XXXX XXXX XXXX. I've been asking for proof as these may be debts established by my ex husband. Proof of my attempts will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Nordstrom Credit card was opened fraudulently using my personal information, This was not authorized by me. 

See attached FTC affidavit of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00}

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 2021-08-10
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:
I disputed inaccurate information, inquiries, as well as accounts that was not mine that have been falsely reporting on my credit reports. I addressed these items was not valid and demanded they be investigated. I also demanded that any information not validated be removed from my reports, and anything that was verified I demanded to see proof of validation within 15 days of completion of investigations. I sent all mail certified it has been over 45 days and no changes to my reports have been maid nor have there been any proof of validation. According to the FCRA section 609 these agencies are violating my rights and reporting inaccurate and incomplete information as well as information thats completely not mine. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, are the accounts falsely reporting on my reports all information is different on each credit bureau as if there are duplicate accounts. Experian refuses to remove old inaccurate name XXXX XXXX, and address XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX and follow suite with XXXX and XXXX which have already removed this name and address. Even though I informed them of potential 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 2021-08-10
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In Late XXXX or Early XXXX of 2020 and in view of the pending lockdowns I had no idea how my income from the practice of law would be impacted. As an abundance of caution I voluntarily entered the Forbearance program created by the CARES act and consistent with the GSE guidelines. By XXXX of 2020 I had concluded that the income I was receiving would likely not increase in the foreseeable future ( my conclusion was correct ) and advised Quicken/Rocket mortgage that I wanted to have my loan modified consistent with my future income and exit forbearance. After some back and forth with their employees I was advised that I would be placed into a TPP with payments of {$1900.00}. I received no formal TPP documentation. After I made the 3 payments required by the servicer a modification was ultimately offered however, without my knowledge or consent, the servicer decided to misapply my payment for XX/XX/2020 and after satisfying the interest owed with that instalment applied the balance to future interest amounts violating both the terms of the contract documents and California law on payment application as first articulated by the California Supreme Court in the Monroe v. Fohls decision. Rather than correct their error and reduce my outstanding principal balance the servicer opted to insist it's application of the funds was correct. I have since learned that the capitalization of unpaid amounts was not authorized by either the Interim Final Rule or the Final Rule regarding modifications nor was I advised of that fact until after it had taken place. Quicken/Rocket also failed to modify my loan on a go forward basis and, instead, retroactively changed figures including a backdated Escrow Analysis. While they ultimately corrected the Escrow Analysis they have continued to insist that they properly applied the XX/XX/2020 payment and capitalized unpaid amounts contrary to the provisions of the Interim Final Rule and subsequent final rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Mid-South Adjustment Co., Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made arrangements with midsouth back in XXXX to have my bill of {$360.00} paid every two weeks which I did and I paid my bill in full. 
I have called their offices on several occasions asking them to remove the debt since its paid in full. collections on my credit report makes it hard for me to purchase my home. I spoke with several managers XXXX and XXXX. Both stating that they have an agreement with XXXX and they are not allowed to remove a debt from a consumer 's report unless it was in error. I called XXXX   and they told me that the collection agency has to be the one to remove the debt since its paid in full. I mean I think its a disgrace for debt collection agency to be so dis honorable and lie to customers. 

I also feel that if they are the ones to report it to the credit bureau, why can't they delete it. they can just continue to be a pain in the behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
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 : 1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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 : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

4. Account Number : XXXX This is not mine. 

5. Identity Theft KOHLS/CAPONE Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: OK
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 recently checked my credit report and found that someone had been applying for something in my name. I have already notifi ed the creditbureaus regarding a fraud alert. These are the two inquiries that I located that are unverifi ed and unauthorized : 1. XXXX  Date of Inquiry:XXXX XXXX. XXXX Date of Inquiry : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX Account # XXXX FIRST XXXX BANK TX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX LL Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX TX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX OF XXXX Account # XXXX XXXX XXXX XXXX BANK Account # XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 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 2017-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is trying to collect debt from me but all they have is my name, they Social security they gave me is not mine and end in XXXX or something. 
I need them to remove it from my account as it 's not mine and they report false information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: NE
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:
The credit bureaus are reporting a collection account with XXXX XXXX credit card in the amount of {$860.00}. This is not my account and is the result of identity theft. I have disputed this item several times with the credit bureaus and the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I purchased a brand new car from XXXX on XX/XX/XXXX. On the first week I started to have grindy noisy coming from the brakes. On the first XXXX miles maintenance at the dealership, I asked them to check the brakes and they told me it was fine. On XX/XX/XXXX, XXXX of the brake pads fell down and the company addressed this issue as a manufacture defect and they fixed it for free. On XX/XX/XXXX, which is only after 8 month I started to have this noisy again coming from the brakes but I couldn't take it to the dealer due to the COVID situation. I took it there on XX/XX/XXXX for the same reason and they didn't want to fix it this time. They asked me to pay around {$1100.00} because it's not a manufacture defect. However, the first time they said it was. The car is not even 2 years old and only has XXXX miles. I purchased a brand new car to avoid this kind of headache. The car is XXXX XXXX XXXX. I looked on the internet and I found many people with the same car have the same complain about the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Southern Auto Finance Co
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:
I filed a dispute concerning incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: Remitly, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Name : XXXX XXXX email : XXXX Tel:XXXX Customer Reference : Remitly Reference : R XXXX Amount : {$8000.00}. 
Compnay name Remitly Dear All, I am XXXX, a customer and I sent money to XXXX to help people for this COVID 19 crisis Community. I used a company name is Remitly, which has a horrified reputation all around the social media. However, I sent money on XX/XX/2020 and until XX/XX/2020 the money did not deposited the account and the receiver did not get money yet, they are suffering for this. 
In addition, I have requested Remitly and submitted proof from the bank the money did not deposited 15 days ago. Specially, I requested to return my money. Still now, after 30 days days has been passed the did not get my return money. I no need to send this money anymore because I borrowed money from my friends and sent the money to them from different company, They are efficient and they have customer service 24/7. On the other hand, Now I need my money immediately. the Remitly customer service said it will take 3-5 days on XX/XX/XXXX, it has been passed 15 days, I did not get money return yet. Even The company customer service is 24/7 unavailable and they are not supportive at all. I have been suffering enormously for this problem. I need immediately my money back and I need damage compensation for this problem. I am urging special attention to above mentioned Authorities and please take a legal action against this company. I saw on XXXX XXXX  a number of customers have been facing this kind of problems and I their money has been held long time and the same story. 
Therefore, I am requesting I need money return in my bank within 3 days. Otherwise, New Jersey Customer Rights Department and NJ bank insurance authority, and senator please take into account it seriously and please Suspend doing the business in New jersey by Remitly as soon as possible. Because this scam company will lose our customer trust and it will harm their our faith in our beloved state. 
I am looking forward to hearing from soon. 
Sincerely, XXXX XXXX Remitly Reference :XXXX Tel:XXXX

Company response to consumer: Closed with explanation