BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: GA
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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, 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 Commission 's identity theft affidavit. Please delete these items as soon as possible thank you

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 2019-10-15
Company: Constar Financial Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Back in XX/XX/2019, I got a call from This business with a man name XXXX on the phone. Calling about debt with XXXX for a car I co-signed with my son. He went on to explain to me since I have a current car with XXXX, they have offered a deal. A deal of XXXX instead of the full almost XXXX I explain to him I did not have that amount on me. He asked if I could pay 10 % then they would lease XXXX I would only have a balance of XXXX. I did not have the money then. I told him that the day wasn't a good day for me. My father had a XXXX XXXX and XXXX. He went on to tell me how I did not want to look as if I was refusing to pay and then it would hurt my credit. He goes on to offer a monthly payment plan he lowered it to XXXX and once the XXXX another XXXX would be reduced since I'm paying my current XXXX account on time. I said ok it would hurt me but once I made the XXXX I'm good and I can then chip away at the XXXX. I requested proof to be mailed to me. 
Made XX/XX/XXXX and XX/XX/XXXX payment. 
Today XX/XX/19 something isn't feeling right to me about the payment plan, other than I have no money after making the payment. I called today and spoke with XXXX ( XXXX is no longer with the company ) she tells me she doesn't see the offer. she does see where the company offered the XXXX but nothing about the XXXX in payments it would reduce it more. That I did not have a set time to pay this amount. XXXX also wanted me to pay with a portion of my tax return. ( I don't even get refunds ). Everything he told me was a lie ; I was thinking about making these payments I could have less debt reporting on my credit report and pay that large amount down. so I stopped paying other debts to take care of these. This is why I don't answer unknown numbers. I feel like he took advantage of me during a time my father was sick and I was there, and me not trying to be rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from 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 2018-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have accounts on my report that inaccuracies they have been disputed late payments due to Covid forbearance and also collection accounts have not been validated I have also been harassed repeatedly these accounts need to be remove these claims are fcra violations

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 2019-10-15
Company: Early Warning Services, LLC
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:
It has taking about two weeks to finally receive a copy of my consumer report from Early Warning. I looked over the report and saw that there are two inaccurate accounts being reported on the consumer report and there are a large amount of inquiries from various banks. Two years ago I asked them to put a freeze and a security freeze on my consumer report to stop this but apparently they didn't abide by my wishes and I again have fraudulent reports on my consumer report. I sent in a dispute on XX/XX/19 and today XX/XX/19 I received a letter from Early warning stating that the dispute that I sent over will not be recognize as a dispute because each item you dispute must have a seperate dispute letter. I am livid because it is always something with this place that keeps you from being able to dispute or obtain your consumer report in timely manner and also in the manner that you want to receive like via email. Please just remove the two items that I requested to be removed and put the alert on the report and stop with all the deflections and nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX have just disregarded my consumer complaints and have did nothing to correct the situation. I sent a letter requesting that they, Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with Title 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Please attach a copy of any signed agreement alleged debtor/ Plaintiff has made with debt collector, or other verifiable proof that debtor/ Plaintiff has a contractual obligation to pay debt collector. 
2. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules A complete payment history documented from original creditor. This requirement was established by the case XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. 
4. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
6. Provide verification from the stated creditor that you are authorized to act for them. 
Disputing the Debt, I 've also file complaints with XXXX and XXXX XXXX but they have also decided that, they are not reinvesting these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is an extension/addendum to complaint XXXX I have filed here and was closed by CFPB before its completed resolution. In essence, it seems that due to Chase Mortgage operational inefficiency and internal miscommunication between departments, the process completion of my mortgage loan recast case has been stuck in limbo since mid XXXX. Following are the specific details : 1. Ms. XXXX XXXX, a Home Lending Executive Office specialist, Ph. XXXX, ext. XXXX, was communicating with me by phone concerning my original complaint XXXX. She was my single and only contact, handling my case with the Recast Department, and updating me on my case status. ( Customers have no direct access to the Recast personnel. ) 2. The intended resolution stated on a letter Chase sent me on XX/XX/XXXX was that Chase will honor the recast agreement I executed with Chase on XX/XX/XXXX, which will reduce my mortgage payments from {$220.00} to {$200.00} retroactively, and credit/refund me the accumulated difference in payments. 
3. On XX/XX/XXXX I XXXX  back to Chase this XX/XX/XXXX letter with its enclosed Recast Acceptance Form as instructed. 
4. I alerted Ms. XXXX on one of our initial telephone conversations in XX/XX/XXXX that I will be leaving the country and my mail will be held from XX/XX/XXXX until XX/XX/XXXX, therefore all documents Chase requires me to execute must be delivered to my home address by XX/XX/XXXX, or by email after my departure date. Ms. XXXX assured me that the procedure will be done prior to my deadline, and I am to receive the new agreement by mail within a week. The first documents from Chase were actually Fedexed to me nearly a month later. 
5. I contacted Ms. XXXX upon receiving the letter with the acceptance form on or about XX/XX/XXXX to remind her about my overseas trip and to raise my concern about a second set of documents I expect the Recast Department to send me to complete this procedure, ( which I have previously required to execute on XX/XX/XXXX ). Ms. XXXX assured me there is no other documents to be sent to me, and that any further communications from Chase will be sent to my email address. 
6. My XXXX and XXXX mortgage statements have already been closed with no sign for the application of the recast terms. 
7. Two weeks ago, on XX/XX/XXXX, I left Ms. XXXX a voice message to let her know that Chase has not executed my recast terms yet, that she misinformed me about the process completion with the return of my Recast Acceptance Form, and that I am certain there is a second set of documents sent to me by Chase after my departure, which holds the process stuck in limbo until my return, and that I didn't receive any emails from Chase Mortgage or Recast departments. 
8. As of this day I did not hear back from Ms XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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: Information belongs to someone else

Complaint:
I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.

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 2019-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Today I received a package in the mail. Someone had ordered merchandise from XXXX and shipped it to my name/address. When I when to XXXX to track the order with the order number I found that the order was placed with a VISA card in my name. The last four digits of the VISA card are not any of my personal cards, but someone used my name/address/my mom 's cellphone number as the contact information to open a VISA card. 

I called both of the banks that I use, and I called CFPB. They recommended that I look at my credit report, freeze my credit reports, file a complaint against VISA, and file a police report.

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 2021-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 redisputed a Chase transaction for the amount of {$8400.00} to pay for University tuition. However I had paid through by other means on my Texas XXXX XXXX Tuition Plan. However the first dispute has been ruled as valid. I reopened the case to redispute the {$8400.00} charge on XX/XX/2021 and by XX/XX/2021 they had sent me a letter to my account stating that the dispute had been permanently resolved in my favor, and that I was going to be credited back the {$8400.00} that had been charged on the Chase credit card. However they are not sending me the credit back despite stating through written from that they have permanently resolved this dispute in my favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-10
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The collection agency XXXX XXXX XXXX is damaging my credit report stating I owe for medical bills. I do not have a contract with them at all.. I sent out a validation letter on XXXX XXXX 2017 asking for verification/validation ... They sent me a letter stating the debt was validated but sent no proof or invoice..I sent out another letter asking for validation with a invoice and have yet to receive a response ... Due to the HIPAA law my rights were violated ... I never agreed for a third party or any party to have access to my information ... therefore this collection agency needs to be removed off my credit report ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit  Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
I have a very terrible situation in my life. First time I have unknown inquiries in my credit report and I do not know what to do. My friend suggested me to write to you and ask for investigation. However he told me that it takes long time, but anyway I ask you to find out what happened exactly and how I become a victim of Identity theft. I do not know these inquiries and please if you can delete them because its XXXX to have something in your credit report that is not yours u know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Carrington Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Authorization has been faxed in starting XX/XX/XXXX, and also on XX/XX/XXXX, and multiple times on XX/XX/XXXX. 

I spoke to a rep from CMS today and I was told they are running about 30 days behind on processing authorizations, as they do not have the staffing to process their current file load. 

What is is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit score and found I have 4 separateaccounts in collections from commonwealth finance systems for a total of {$4400.00}. I have n't gotten anything in the mail regarding anything, and it 's killing my credit score. I 've tried to call but keep getting passed off and never gets resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Transfinancial Companies, Inc
State: LA
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 have made several complaints and sent in all requested information to this company and they still are reporting inaccurate information on my credit reports! This company is using an inaccurate social security number on these alleged medical bills. Transfinancial Companies has continued to report the accounts in the amounts of {$940.00} and {$330.00}. This is outrageous that this company has been allowed to continue to deface my credit report with incorrect information. This is against FCRA rules and regulations and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Commonwealth Financial Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
i recieved a phone from miss XXXX XXXX verifying me by my last 4 social the i asked her what this was concerning she said a student loan debt from XXXX She then proceeded to tell me that student loan debt is never over and they would have me served a summons if i did'nt comply.. i asked about the statue of limitations on private student loans and she got very angry and said she just have me served a summons and hung up on me.. Of course i became afraid she also called my job and they called me ... i was told by miss XXXX they could garnish my wages and take my taxes.. i was called from these numbers XXXX and XXXX i just want to know if this is legit and if there is a statue of limitations on private school loan from 20 years ago thanks..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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