BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-18
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: Reporting company used your report improperly

Complaint:
I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. Equifax, XXXX, and XXXX are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Elderly woman received call from grandson that he had been in an accident and was now in jail and needed money wired to him to get out. Described all kinds of injuries. Had a supposed public defender ( XXXX XXXX at XXXX case # XXXX ) call with explanations and directions to go to local XXXX XXXX with {$500.00} cash and Western Union the money to : XXXX XXXX XXXX XXXX XXXX XXXX Western Union tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Chime Financial Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
A supposed XXXX customer agent transferred {$200.00} out of my Chime account using a XXXX XXXX XXXX submitted a couple of claims with Chime. They denied my claims saying no error occurred. I sent them correspondence between the supposed XXXX customer service agent and myself with the supposed XXXX customer service agent stating he needed my Chime card information to transfer the {$200.00} back into my account. I wouldn't give the supposed XXXX customer service agent that information because I suspected fraud. Chime Financial has yet to send me there findings determining there decision for denying my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Fay Servicing, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I was referred to you by the attorney generals office. We have had ongoing problems with our mortgage company. They are falsely saying that we owe them thousands of dollars that we do not. And our house is in foreclosure even though we never missed or were even late on the mortgage payment. 
At this point, we do owe them one months mortgage because they refused to cash the last check, because they said we are in pre-foreclosure. 
We had only owed them {$1900.00} for a check they sent to the town for property taxes and the town cashed it and paid our taxes in advance. We had paid the taxes up to that point. We have had a mortgage on the house for 15 years and never had escrow. Now they are saying that we owe them {$6500.00} and they want it paid to satisfy the debt on their terms or we will lose our house. 
They have actually sent us letters with false information saying that we did not pay our mortgage for XXXX, XXXX and XXXX. And We have cashed, cleared checks proving that we did pay and were not even late. 
Please help or please direct us to who can help. 
I am afraid that we are not the only people they are doing this too. And another person or someone elderly who is confused may just pay them the money and they may be getting away with this? 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account # " XXXX '' IS INCORRECT ON MY CREDIT REPORT. ON XXXX IT WAS OPENED XX/XX/2023 ON XXXX IT WAS OPENED XX/XX/2023 ON EQUIFAX IT WAS OPENED ON XX/XX/2023 ALSO I DONT HAVE A CONTRACT STATING THAT I OWE ANY MONEY TO " XXXX XXXX XXXX XXXX XXXX ALSO " XXXX XXXX XXXX XXXX XXXX HAS MY NAME INNCORRECT ON MY CREDIT REPORT. 15USC 1681A4 : THERE IS A NEED TO INSURE THE CONSUMER REPORT AGENCIES EXCERCISE THEIR GREAT RESPONSIBILITIES FOR FAIRNESS & PARTIALITY AND RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. 15USC 1681BA2 : SUBJECT TO SUBSECTION " G '' ANY CONSUMER AGENCY MAY FIRST CHECK THE CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER, AND QUOTIENT WITH WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. XXXX XXXX XXXX ALREADY DELETED THE COLLECTION FOLLOWING THE RULES, I JUST NEED EQUIFAX TO COMPLY. CAN YOU PLEASE DO A THOROUGH INVESTIGATION & DELETE THIS FALSE COLLECTION DUE TO THE COLLECTION & EVERYTHING ELSE BEING INNCORRECT. THANK YOU I REALLY APPRECIATE IT. XXXX BLESS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-17
Company: Skopos Financial, LLC
State: OK
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:
We initially contacted Skopos Financial in XX/XX/2018. My credit report had not been updated with my current payments since XX/XX/2018. We spoke to representative there that advised it would be updated in the first week of XX/XX/2018. The first week of XXXX came and went and nothing was reported. We contacted them again and were advised it would be updated immediately per the Credit Reporting dept that we were transferred to on the call. As of XX/XX/XXXX, it still had not been corrected, so we filed a complaint with the XXXX XXXX XXXX that did reach out to them -Case # XXXX. They finally updated the credit report in XX/XX/2018, but only up through XX/XX/2018. As of XX/XX/XXXX, they had not updated the report to show any payments were made since XX/XX/2018. We sent them an email asking for this to be updated. We did not get any response from them, nor was the credit report corrected. This has hurt my husband 's credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, XXXX XXXX, the current servicer for the loan filed a lis pendens under the assume name " XXXX XXXX XXXX ( XXXX XXXX ) ''. Under Florida Statute 702.015 ( 4 ), If plaintiff is in possession of the original note, the plaintiff must file under penalty of perjury a certification with the court, contemporaneously with the filling of the complaint. XXXX XXXX failed to attach a certification under penalty of perjury to the complaint. Pursuant to Florida Cicil Rules 1.110, plaintiff must verified the complaint and its string of documents adequately. The complaint reflects that XXXX XXXX XXXX allegedly verified the complaint, however XXXX failed to verified the documents relating to ownership accordingly. The record reveals that XXXX XXXX have engaged in Florida 's Deceptive and Unfair Trade Practices Act, Chapter 117, Florida Statutes, which governs activities of notaries public, Chapter 668, Part II, Florida 's Uniform Electronic Transaction Act, and Chapter 695, governing record of conveyances of real state. Under Florida law, corporations may convey real property in accordance with the requirements of either section 689.01, Florida Statutes ( 2004 ), section 692.01, Florida Statutes ( 20040, or section 692.02, Florida Statutes ( 2004 ) Section 689.01, which requires that any conveyance of real property to be signed in the presence of two subscribing witnesses. XXXX XXXX also failed this requirement. See attached assignment of Mortgage book 29026 page 4582 and assignment of mortgage book 28927 page 2030. Please review, you will find that the entire documents has been forged. All signatures on both assignment are IDENTICAL, which means that someone cut and paste all signatures instead of signing the document in the presence of two subscribing person and notary. Both assignments have been forged and does not convey ownership. A void of forged instrument is a void, see 3 DCA Case Law XXXX v XXXX XXXX. case no. XXXX. On XX/XX/XXXX, the state of Florida entered into an assurance with XXXX XXXX XXXX XXXX. This company engaged in Floridas Deceptive Unfair Trade and the falsification of mortgage documents, including forged assignment of mortgages and other documents. See copy of assurance. XXXX XXXX entered into a consent to judgment and consented to never filed forged documents of a fraudulent in nature actions. XXXX XXXX has violated the consent to Judgment with the government and are subject to sanctions at this juncture. We ask that you review all documents and sanction XXXX XXXX  for all the mention violations in connection with the foreclosure action using a string of forged documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: AmerAssist A/R 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:
I am a victim of identity theft, there are 2 accounts on my credit report that I did not authorize and have no knowledge of.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Fair Credit Reporting Act Section 605B I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: D2 Management LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX, I received another call from D2 Management wanted me to take a message for XXXX XXXX which one of many calls. They are calling me on my cellphone and not the home phone. Any creditor I have does not have access to my mobile phone number. 
The last person I spoke to was asked to remove my phone number and to cease calling me. I called spoke XXXX-to phone to request a cease and desist with the phone calls. I told her I do not give my mobile number to any creditor nor anyone else but family. She says so you are XXXX and continued to ask how they got my phone number ..she says youre only making it harder on yourself and we will get you. After threatening me, XXXX hung up in my face so I call back for an address. She placed me on while I was talking then came back to phone. I told I would file the complaint through an agency. I do not owe anything to any creditors nor do I owe any money to a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX, account # 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.

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 2021-06-14
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:
not mine fcra : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: ID Analytics, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX is selling access to information I did not opt into, nor authorize. Its providing scores on data I can not see and it does not have a reasonable way to download a copy of what they are reporting on me to other companies. Because I do not know what's in this file they are reporting to vendors, I can not dispute what is in it and I have been financially harmed. I can not get my legally required free annual report from the website the government help setup. 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 2021-06-07
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), clearly states that a failure to investigate these items for 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the inconvenience and stress you caused me. My information was also impacted by the Equifax Data Breach and may have got to the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
there are multiple violations. I send the credit bureaus and the collector multiple letters and every time i receive a letter saying the debt has been validated ... correct me if im wrong they did not even do a proper investigation for this account as i just pulled my report and there is no comment stating that this account is in dispute ... ..the account numbers are reporting differently between the 3 bureaus ... .account types are reporting differently ... XXXX  is reporting a past due on a collection and the other 2 bureaus are not ... .XXXX  is reporting a payment status of 120 days late and the other 2 bureaus are reporting Collection/Chargeoff as payment status ... ..all 3 have different dates of last active ... .there are too many violations for them to have conducted a proper investigation ... i have attached a copy of the report ( only this portfolio account ) for you to see the violations ... .next step is sending this to an attorney as i have a copy of all of the letters i send to the bureaus and portfolio as well as all of the credit reports for those months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: FL
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 sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-31
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: Account status incorrect

Complaint:
XXXX XXXX ACCOUNT CLOSED, PAID IN FULL, NEVER LATE XXXX XXXX ACCOUNT NOT RELATED TO ME

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 2020-07-08
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was closed without my knowledge. I wasnt notified by Netspend I only became aware bc I contacted them to find out why I was locked out of my account. I was told my account was closed due to suspicious activity. This is ridiculous based on my activity. I received my unemployment direct deposit on the card, paid my bills on the card, used it to send/receive funds via XXXX, and used the mobile check deposit 3 times. My mother was added to my account a few months ago. She received a check from my XXXX for an upcoming trip for {$500.00} which I tried to deposit via the mobile check deposit then I was going to pay her credit card bill. She hasnt been going out due to Covid. The next day I received an email that they couldnt process the check which wasnt a big deal I could just bring to her bank to deposit however later that day XXXX tried to pay a bill and I was told my account was closed. Absolutely ridiculous Ive had this account for over a year I used to have direct deposit from my employer now its from unemployment. I asked to speak with a manager as I believed the account was closed in error to which I was told Id be transferred then proceeded to be left on hold for 1 hour 27 minutes then hung up. Ive sent multiple emails to find out when I would receive my check as I had approximately {$4300.00} in the account. On XX/XX/XXXX the account was closed I sent 2 emails the first was questions about why my account was closed the second regarding waiting on hold to speak with a manager/supervisor. They never addressed either concern but did respond on XX/XX/XXXX that Id receive my check in 7-10 days. I then emailed on XX/XX/XXXX, XX/XX/XXXX, and today XXXX to find out when my check was issued. I have not received a response and we are past the previously mentioned XXXX days as the account was closed on XX/XX/XXXX. My account was wrongfully closed and Ive had no access to my money. This has put me in a very bad financial situation the lack of ability to speak with someone at Netspend regarding the matter is completely unacceptable. Their lack of transparency and responsiveness is very unsettling to say the least. Withholding my funds not giving me any option to expedite this process is unethical. Ive attached a screenshot of my call to a manager that was never picked up as well as the sent emails to their customer service.

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 2022-10-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone # XXXX Account # # # # # # # 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions.

Company response to consumer: Closed with explanation