BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Equifax- XXXX XXXX, XXXX Inquiry I do not recognize this inquiry at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I disputed the account in the amount of {$510.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: EQUIFAX, 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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am trying to use a financial app called XXXX, and my bank, PNC, will not allow me to connect my account to the financial management institution/app, XXXX. Please urge PNC bank to reconsider allowing this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-02
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the month of XXXX, a credit card I don't use ( almost ever ) had a statement sent out with a bunch of XXXX charges that I did not make. 

I contacted indigo regarding this to report the card compromised/stolen and have a chargeback completed, I also let them know I would like to cancel this card as I've found cards which offer more/treat me better etc. 

After quite a bit of back and forth with the agent trying to get me to stay, they did finally agree to cancel the card. 

Unfortunately I have now received another statement and see the website is claiming I am past due, the company charged me an annual fee after I had requested to cancel and is now trying to charge me late fees for the annual fee when this card should have been closed with a {$0.00} balance a few months ago. 

I am worried this will damage my credit erroneously and would like the company to close this card with the {$0.00} balance I have earned as well as ensure my credit reporting is unaffected by their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
every day staring @ XXXX continually calling and using different numbers including fake numbers with my area code and city numbers. I have answered many of these calls and they are bill collectors and it goes on hour after hour and day after day. I am currently working with a company to handle this and I have told these callers this but they keep calling. 
Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I purchase my home for {$49000.00} on XX/XX/2005. I currently owe approximately 35,000 on the home the term was a 30 year fixed mortgage with about 4 % interest rate. Unbeknownst to me the money was applied to the interest on that note, then the principal on the note second one and then all of the other fees third early. After 15 years into the mortgage I realize that Ive only paid less than half of the mortgage. I would like to know my options this mortgage for me at this time I would have thought that a house wouldve been paid off at least halfway and its not.I am on able to get my house refinanced due to my credit score. I believe it was a bad mortgage in XXXX and its place me in a position according to my calculations that I have paid XXXX or ready on this house which is double the amount that its worth. The original bank I was national XXXX which is no longer in business the name to change to XXXX XXXX XXXX I believe. However Shell point mortgage services services the loan currently and they have been very transparent with the information that I have been trying to obtain for the past few years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: TN
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 AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THESE ACCOUNTS AND TRANSACTIONS I DISPUTE WERE OPEN AND MADE BY THE THIEF, NOT ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY :

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 2020-07-14
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX. I could not log into my Venmo account. I knew my password and it did not work. So I tried forgot my password and it said we will send you an email to reset. However I never received these emails. 

Months/ maybe a whole year later, I opened a new Venmo account and used it with no issues Two weeks ago I received a phone call saying that theirs charges from XXXX on my account and I owe XXXX . I  said it was not me. Went over the charges and said I do not know the person they were sent to. 

Today I received a phone call that my claim for fraud was denied and the Venmo collections department was calling to collect XXXX $ from me. I reiterated it was not my expenses and it was fraud. I asked to speak to the fraud department and was told they don't have a phone number and I can't contact them. 

I have sent numerous emails in the last 2 weeks and have not gotten any response. 

I looked back in my email and see a " new device was added to my account '' on XX/XX/XXXX in XXXX NY. About 2 hours away from where I live. 

I did not authorize the charges and therefore don't believe I should have to pay them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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 submitted a dispute for the following companies below. I asked that these companies validate my debt and send me the results of their validation. These companies did not fully investigate my company nor did the following creditors state information that gives them legal grounds to report my on my credit with invalid information. I have also asked these reporting agencies to remove XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX Texas XXXX because this address is not associated with me. Please remove this inaccurate information. 

15 USC 1692g : Validation of debts states ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 

Please remove the following companies off of my credit or I will be forced to sue in small claims court. This is a violation of my consumer laws and I am entitled to funds for the misuse of the law. 

XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home loan was being service by Seterus. Seterus was purchased by a company called Mr. Cooper. Mr. Cooper sent me a letter stating that my loan modification with Seterus would not change. I received a online text from Mr. Cooper saying that my XXXX payment will be XXXX more each month. I called and was told that my escrow amount is low. I ask how did this happen. I've been with Mr. Cooper for almost a year now. I told the loan agent at Mr. Cooper about my modification and the letter stating nothing would change my loan modification. I did not get a letter a call about the increase. I notice the increase as I was making a online payment. The information was noted on my account. I think something that is important as a XXXX  a  month loan increase should be sent ASAP and stated with great urgency and highly visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: American Coradius International LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The caller said we owe on a XXXX account. 

We don't have a XXXX account. 

I just received a collection letter stating they will accept a lower amount than the debt listed. 

The collection company this letter is from is American Coradius International LLC When talking with XXXX, they stated they can not look up anyone 's account to see if what I'm saying is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NC
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 have contacted credit bureaus several times explain that I closed and paid off mortgage XX/XX/22 and paid all balances on my account except car payment and when my morgage company pulls report it does not have updated balances sothat I may acquire a new mortgage.its been paid. 

My credit has been pulled 12 times atl east which can also hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
`XX/XX/2019 inquiry on credit report, Transunion only, from XXXX/XXXX XXXX XXXX XXXX/XXXX. Notified by XXXX XXXX, when I tried the phone number it was a medical scam company I am concerned about identity theft. Creditor Contact Details are : XXXX/XXXX XXXX XXXX, FL 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 2022-08-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have no knowledge of this account this appeared on my credit report awhile ago Ive never had an account with 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 2018-10-29
Company: CAINE & WEINER COMPANY, INC.
State: SC
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:
The company say I owe {$650.00} and I dont have received threathen phone calls and mail to pay something I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a statement to which I didn't recognize a charge. I spoke to Macys in regards to this matter. They advised me to fill out the attached document which was faxed back to them. 
They also informed me that I would not have to pay while it is under investigation. They said they will advise me of the outcome. I made sure all my information was updated. Since I was advised not to make payments on this until it is resolved I did not make payments and never heard from them so thought it was taken care of. If they came back showing that I owed the money I would have paid them. 

In the beginning of XX/XX/2020 I went to apply for a refinance, I noticed that Macys is reporting my account as past due and delinquent. I have never been contacted by Macys or heard from them in regards to this matter.

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 2021-04-13
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:
There are 16 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus since XX/XX/2020 and nothing has been done I need help Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX. 
Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I sent out a written request to the three major reporting agency ( XXXX, XXXX, and TransUnion ) via XXXX on XX/XX/22. The letter provided current personal information that should be used to properly identify me, the consumer. In my correspondence I also asked that all other personal history be deleted because I was concerned that I might be susceptible to identity theft. I have attached a copy of the receipt from usps and a copy of the document that was sent out on that day. Neither of the three credit reporting agencies has yet to respond to my request or have taken any action to resolve this matter.

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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX  XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late

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