BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-28
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal 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 non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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:
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 COMMISSION or https : //www.ftc.gov  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft XXXX not later than XXXX business days after the date of receipt.

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 2020-10-20
Company: BBVA FINANCIAL CORPORATION
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: Public record information inaccurate

Complaint:
Greetings, The loan company is reporting a closed loan was included in chapter XXXX. This loan was not included and in fact paid in full and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: AR
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:
In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Experian several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can Experian currently be reporting this account 180 DAYS PAST DUE IF THE ACCOUNT WAS 120 DAYS PAST DUE IN XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Experian seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Experian to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try 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 explanation
Consumer complaint received 2019-01-28
Company: Receivables Performance Management, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had received 2 letters from Receivables Performance Mangement ( RPM ). I  had just chosen one and opened it and the letter contained an offer to settle the debt in the amount of about {$370.00}. Later, after the ordeal, I found that the other letter contained an offer to settle in the amount of about {$290.00}. I called and spoke with a representative on XX/XX/2019 who proceeded to take my payment information to process the payment as settlement in full for the debt. I requested an email confirmation of my payment to keep for my records. RPM sent an email, but it was not a paid receipt, it was a copy of an offer letter that stated the amount was {$290.00}. At this point, I was confused because they just took a payment of {$370.00} so I called back to inquire about the difference of what they took and what the email said. I spoke to the manager, XXXX, who stated they would refund the difference but we would have to wait for it to clear first because it was not showing posted to the account as of yet. I proceeded to wait a couple days and I called back and spoke with the same gentlemen who at this time advised they would not refund my money and that I would have to contact my bank directly to stop the payment and then we could redo the transaction even though they knew at this time the bank would not be putting a stop on the payment. I called my bank and they processed it as a dispute, but after their investigation determined the payment was valid and would not refund my money. I feel that RPM misrepresented an offer to settle my debt and fraudulently took a higher amount because it benefited their employee and meant more money for his own paycheck. This is clearly false representation and I feel that the company is stealing my money when they were fully aware there was a lower offer on the account. Additionally, when I received conflicting information and contacted them about it, they again misrepresented an opportunity for me to get a refund of the overpayment, which I have not received as of yet.

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 2020-07-27
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I make dvds of funerals when families order them. I received an order from a woman, made and shipped it-then got delivery conformation for its delivery, and the person still submitted a charge back. Her credit card issuer, citibank decided in her favor, even though we submitted the USPS verification that her order was made, shipped and delivered to her address. Here is Citibank address Citibank - XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX  address XXXX XXXX XXXX, XXXX, CA, 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 2020-10-20
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
1. Fay Servicing has no any signed agreement with us. 
2. Loan originator XXXX XXXX was supplied with hazard insurance before the closing XX/XX/2020. 
3. During the next 3 months this loan was transferred 3 times to the different companies. 4. Insurance was on place and nobody had any questions.

5. Fay Servicing tried to sell extra service with no ground.

6. Multiple disturbance by letters and harassment over the phone.

7. No availability to pay online.

8. Payment is taken over the phone and unsecured.

9. No COVID-19 available info, just sending to nowhere.

10. Totally unfair and deceptive practice to sell something more and expensive.

11. No responses for 3-4 times insurance policy sent and phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Robert W. Warner & Associates, P.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
RMF Asset Management , LLC is debt collector, who filed a lawsuit against me on XX/XX/2022, I first found out of this lawsuit in XX/XX/2022 after being served with a summons and complaint. I never received from the debt collector a validation letter, that would state the amount of the debt, that I could dispute the debt or who the original creditor was, as required pursuant to 1692g of the FDCPA. I responded to the lawsuit filed against me on XX/XX/2022 and the case is now in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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: Investigation took more than 30 days

Complaint:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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
Consumer complaint received 2019-01-28
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I w

as forced to work with Navient because apparently I had defaulted and needed to " rehab '' my loan prior to consolidating. My loan was assumed by Navient in XX/XX/XXXX - the following two years I sent navient payments but never saw any payments toward my principal. I fought with them ALOT while they serviced my loans, but nobody was willing to help me. The basic attitude was I couldn't do anything to get this consolidated unless I just kept paying them, so I did. In XX/XX/XXXX I was FINALLY able to get the loan consolidated. At the time that I was able to consolidate, I had paid around {$980.00} to navient over a period of approximately two years. In that time, my balance INCREASED {$490.00}. In summation, I somehow came out of the " rehabilitation '' period at a {$1400.00} DEFICIT. I have since managed to get out from under Navient 's thumb, however, I believe that I am entitled to at least the {$980.00} in payments that I made. At no point was Navient cooperative in my eyes. And I believe their tactics were threatening and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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:
I have been trying to clean up my credit to buy a new home and automobile. I have learned throught the CONSUMER FINANCE PROTECTION BUREAU on how to use your rights as the consumer. With that said ; I found out In accordance with the Fair Credit Reporting act these accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I NEVER AUTHORIZED OR GAVE WRIITEN CONSENT ANY OF THE THREE CREDIT REPORTING AGENCY TO PUBLISH ANY OF MY CONSUMER CREDIT TRANSACTION. 

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

I want action taken immediately to recover the lost of a higher credit score which had made me pay a higher interest rate on my CONSUMER TRANSACTIONS, because of the information on my credit report. 

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. 

I have uploaded a file with my current XX/XX/2022 credit report to show the evidence that their are inaccuracies on my credit report from all three CREDIT REPORTING AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Personal information incorrect

Complaint:
On XX/XX/XXXXI, XXXX XXXX XXXX, original creditor/consumer sent all three major credit reporting agencies Affidavits of Truth with simple demands. I gave each agency 21 days to fix the credit reports with my written instructions as shown in the attachments. I even attached copies of the law to each letter for each US code. I have only heard from one agency via mail and that agency ( XXXX  ) did not respect my demands. Im sure the other two agencies didn't respect my demands either as I didn't receive mail from them within the respected time frame. Find attached XXXX  letter with incorrect information and " dispute results ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: CT
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:
So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT

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 2022-10-12
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 is missing that should be on the report

Complaint:
I paid off my XXXX card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: The Outsource Group, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt with XXXX  XXXX XXXX - XXXX that I paid XXXX XXXX XXXX {$1300.00} on XX/XX/2018. The next day I was contacted by XXXX  attempting to collect the same debt, when I informed them that I had paid it through XXXX XXXX XXXX, XXXX then filed it on my credit on XX/XX/2018.

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 2020-07-21
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:
MY NAME AND SOCIAL SECURITY NUMBER WAS USED ON SEVERAL APPLICATIONS WITHOUT MY CONSENT I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION AS A RESULT THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT

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