BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from Debt Recovery Solutions LLC stating I am in collections for not paying a personal loan taken out for {$1000.00} from XXXX XXXX XXXX. The balance with interest is reflected as {$1500.00} and was taken out XX/XX/2020 This is not a loan I had ever taken and could easily be validated if they check the account which the funds were placed in " XXXX XXXX account # XXXX The Debt Recovery Solutions account # for this case is XXXX and they can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
All three agencies ( Experian, XXXX, and XXXX ), are reporting inaccurate information on my reporting accounts that I disputed and mailed on XX/XX/2023, and in pursuant to FDCPA & FCRA Section 15 USC 1681 ( a ) ( b ) USC 6802 ( b ). I want these inaccurate accounts deleted immediately from my reports. XXXX Collections ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX Closed accounts of ( 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 2023-02-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection is from XXXX XXXX for amount of {$730.00} received on XX/XX/XXXX and I have never used this service in my life. 
It states the is owed on XX/XX/XXXX fromIC reference XXXX and account XXXX Around a year ago I received a call about an amount I owed this company and was asking for my address and other information which I didnt give because XXXXXXXX XXXX was fraud. Told them I never used the service and hung the phone. Had not heard about it until today again. 
The action Im taking is responding today XX/XX/XXXX checking the box disputing this is not my debt.

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 2021-03-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The week of XX/XX/XXXX I was contacted by a company that I had put on for a job application through XXXX, I was interviewed via XXXX and hired. They contacted me and told me that in order to purchase the equipment for the job ( data entry ) they were going to send me a check and then I would send it to the vendor through a wire transfer. First they had me send it though XXXX and there was a {$1000.00} limit so they had me send the reminder through a wire transfer. They then contacted me again and told me they equipment was confirmed and it would shipping out the following day. They reached back out to me to tell me that another one of the individuals they had hired for the job was having a hard time depositing the check for equipment and asked if they sent me another check if I could do the same thing I did before and they would give me a bonus for the inconvenience. I agreed and sent the wire transfer after receiving another check. My bank contacted me shortly after and told me that the account I was transferring to had come up as a fraudulent account and that the checks were fraudulent as well. They said they were going to stop the wire transfers and attempt to recollect theXX/XX/XXXX transfers as well. I did not here anything from them for 4 days, I called my bank USAA, and they told me the fraud department had closed the investigation and were holding me personally responsible. I told them I wanted to speak to the actual fraud department and they told me they were submitted the request for it be reviewed again and someone would contact me. That was last Tuesday. Today the XXXX I called USAA again to see what the status was. They said my accounts are locked and that until I bring my balance back from the negative theres no action I can do. I asked what happened with the wire transfers they were supposed to stop and they told me the financial institution it went to declined to send the funds back because the individual told them they were expecting money from a friend. USAA claims there is nothing that can be done even though I reported the fraud and Ive had to continuously check on what is happening because no one has reached out to me. My account is {$3900.00} in the negative due to this activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; ( Original Creditor : XXXX XXXX ) XXXXBalance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-06-04
Company: NATIONSTAR MORTGAGE LLC
State: SD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX my Bankruptcy was discharged in the Federal Court in XXXX XXXX. Included in the bankruptcy was a mortgage on a piece of property located in XXXX, XXXX which we did not retain. The Mortgage company ( Nationstar Mortgage ) filed for foreclosure in XXXX, the district court in XXXX, XXXX  dismissed the case finding the Mortgage company had engaged in illegal lending practices. In XXXX Nationstar mortgage sold the mortgage to XXXX XXXX XXXX, this this point to date XXXX  continued calling me and sending me letters stating that I owed them this money, I explained that this was discharged in bankruptcy and request that they do not contact me on this no longer, They have called me no less then 30 times and continue to call, I have also found that they have placed derogatory items on my credit report causing me to be turned down for recent loans. How can they continue to do this after the item was discharged in bankruptcy, I understand that the original lender had the right to foreclose, it has be 7 years and 120 days since I stop making payments to the original lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2019-03-25
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call from a XXXX  collector whom verified my XXXX  address, told me XXXX  is not a closed border state when it is. Continued collection efforts. XXXX falsely verified they can proceed collection efforts in a closed border state of which they don't carry a license to collect. Mailed debt validation to my XXXX address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-08-10
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 am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, my rights have been violated. 
Regarding alleged account # XXXX 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 an account without my written instructions.

15 U.S. Code 1681B ( 4 ) : states that there is a Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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:
These are not my accounts, i have never applied for these. 
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: NJ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$14000.00XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$250.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Grain Technology, 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: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX there is a XXXX XXXX XXXX reporting {$7900.00} reporting incorrectly XX/XX/XXXX grain technology reporting $ XXXXopen and closed with the other credit bureaus reporting incorrectly and two hard inquiry XXXX credit card service and XXXX XXXX XXXX XXXX that doesnt belong to me and also several addresses and my name missed spelled reached out to the credit bureaus and creditors to have these items removed no response in over 30 days and Im being affected by XXXX  my scoring has changed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
Experian and XXXX are reporting incorrectly the XXXX XXXX partial account number XXXX as ( 120 ) days past due. ( Please see page 4 of the attached credit report. ) This account does not belong to me. I do not know who XXXX XXXX is. This trade line item recently appeared on my credit report. This incorrect reporting is harming my credit score and this item needs to be removed. I have contacted the ( 2 ) bureaus to resolve this, however I have been unsuccessful.

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 2020-03-01
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX VA XXXX, Said above company, took over my mortgage loan in XX/XX/XXXX. They have been receiving mortgage payments along with escrow funds. 
XX/XX/XXXX I received notice that my mortgage servicer ( XXXX XXXX ) had not paid my property tax due in XX/XX/XXXX after receiving delinquent notice from XXXX XXXX County. 
I contacted the county XXXX, and they confirmed no payment has been made. 
I in turn contact XXXX XXXX, where after they verified my funds were in my acct, I then escalated the call to a supervisor there,, she assured me this would be rectified and paid in a few days ( Did not happen ). 
I have contacted my mortgage servicer several times, again as recent as XX/XX/XXXX because my account is still DELINQUENT!! 
I have since received another notice with threat to put my home up for auction in a few months! I continue to call XXXX and continue to receive no resolution when Im paying my mortgage ON TIME, escrow money is on my account but my taxes are yet to be paid. 
At this point there is an additional {$100.00} penalty that has also been added to my account that must also be paid. This is frustrating and putting me in jeopardy of losing my home! I need immediate assistance.

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 2021-03-01
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

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 2023-08-26
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief