BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-01
Company: EQUIFAX, 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:
After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: Receivables Performance Management, LLC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2017-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
We requested that Equifax put a freeze on our credit, as we were among the 130M whose PHI was hacked from their data base. It became necessary for me to open a personal phone account with XXXX on XXXX XXXX, 2017. XXXX was not able to open the account due to the freeze. I spent at least 45 minutes on hold with Equifax waiting for someone to pick up, in the XXXX office and no one ever did. We contacted Equifax at home and asked them to release the freeze for 72 hours will I was applying for the account. I went back to the XXXX office one during the 72 hours and went on line with XXXX for them to start an account and both times they were told there was a freeze. We then went to Equifax and asked them to permanently lift the freeze. Two more attempts were made by XXXX to start an account and both times they were told there was a freeze, the most recent was XX/XX/XXXX. However, on XX/XX/XXXX, we receive communication from Equifax that the freeze had been removed and our complaint was " completed ''. 

If I needed to have credit issued for any emergency, I could not because Equifax has been inadequate at fixing this problem. Please advise what I can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXXXXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXXXXXX # 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 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. And i have filed police report as well

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 2020-11-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These companies keep reporting innicorate information. They always say I dont send id documents i have attached them to this pdf file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have received notice from the county stating there is a supplemental delinquent tax bill from years ago that has not been paid by my mortgage lender ( freedom mortgage ). I immediately notified freedom mortgage via phone and email and made it clear to them that the issue needed immediate attention as the county woul initiate foreclosure process if there was no resolution by XX/XX/XXXX. Freedom Mortgage has since been working on the issue with no resolution as of today Tuesday XX/XX/XXXX when the county would be finalizing the foreclosure paperwork. I have continually reached out to freedom mortgage and every time they seem to be confused as to what is going on and after hours of me having to re explain the situation they always promise they will work on the issue and be sure to expedite the process but have never been able to get clear answers. The county has also gotten ahold of freedom mortgage directly with same outcome, no results whatsoever ever. Dealing with all this has cost me numerous hours absent from work , county has added $ 900+ in foreclosure fees and my home is now in foreclosure all while freedom mortgage staff seem to be so relaxed just telling me they will look into the situation and not communicating amongst each other. They have not once reached out to me to update or anything its only when I call them and even then they are all so out of the loop and confused, they need to provide specialized training to those who work in their tax department and work on their note taking on accounts and communication amongst each other because this has truly been a huge hassle, huge head ache and huge loss of money and as of yet unsure on what will be of my home.

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 2023-05-17
Company: Self Financial 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:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights. under USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A it also states a consumer reporting agency can not furnish an account without my written instructions. 
Under 15 USC 1666 B a creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for any purpose XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
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 submitted an affidavit to the credit reporting agency back in XX/XX/2021. I never got any response from them regarding the affidavit and will attach supporting documentation submitted. Since there was no response then the credit reporting agencies are now in default.

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 2022-11-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi there Portfolio Recovery has been literally harassing me daily via my phone # regarding a debt that was paid off in full via a settlement agreement in the very early XX/XX/XXXX 's ... ... yes thats correct over 15 years ago!!! They contacted me back aroundXX/XX/XXXXish stating I needed to pay this debt ( which I had with XXXX, we came to a settlement agreement ) I told them this and when I got something  in the mail from them stating that I owed ( actually more than what was really originally owed ) I sent a certified letter back with all of the info on the debt and it had been resolved and it just stopped ... ... NOW, they are calling me constantly again ... almost 10 years later!!!! I have since moved and discarded all of the stuff as seriously .... its been over 15 years and I had heard nothing more so, why would I have kept something like that? I tried explaining this to the last fellow that called me ( on my cell no less ) and he was very belligerent .... cursing, even called me a liar and told me to pay my XXXX bills. I hung up on him ... .. I did find it odd that the lady I spoke with last week ( who was just as rude ... but did not yell at me ) had the date of this debt as XX/XX/XXXX instead of the original XX/XX/XXXX. I, # 1 dont think that is legal and # 2 I still think that is out of the actual time frame that they can harass me correct? I am furious that I am being harassed for a debt that # 1 was settled over 15 yrs ago & # 2 was almost 20 yrs old now .... What the XXXX??? Also this time I have received nothing in the mail .... only the harassing phone calls!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XXXX an on-line retailer advertised the XXXX ( a golf launcher simulator weighing 2 1/2 lbs ) as being " in stock '' and offered free shipping guaranteed within 5-7 days for {$340.00}. After the expected timeframe for delivery had come and gone I attempted to inquire and was informed via email that my product was unavailable from the manufacturer yet they refused to credit my monies paid. After days of unsuccessfully trying to get a credit from the retailer, I contacted Capital One, my credit card company for assistance. The amount was disputed & temporarily credited back to my card. 2 days after the merchant received notice the amount had been disputed, the merchant sent a rubber golf ball to me via USPS ( tracking # XXXX XXXX weighing 2 ounces. They provided this tracking receipt to Capital One as " proof of delivery '' for my order. Without checking the weight of the package the merchant was credited the {$340.00} again on XXXX. 
I have since provided the attached notice from the United States postal service, as requested by Capital One, indicating the weight of the package was only 2 ounces along with pictures of the actual package & golf ball that was inside. Obviously this would prove the {$340.00} XXXX XXXX XXXX XXXX I ordered had never been received. On XX/XX/XXXX I was notified by Capital One that they have closed my file and will no longer attempt to dispute this charge because I failed to show proof I returned the ordered merchandise in which I never received. How could you return something you didnt receive? Please advise what steps I may take to force the return of my stolen monies?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, I applied for XXXX XXXX in 2020 and I am a part of the class action lawsuit in XXXX XXXX XXXXXXXX. I still have no updates to my application as my loan is supposed to be discharged. My school, XXXX is on the list for the class action and I have probable cause for discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft as i have previously notified Experian

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 2022-11-21
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-31
Company: Navient Solutions, LLC.
State: OH
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:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, SALLIE MAE # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. 


XXXX, EQUIFAX AND XXXX  HAS A COLLECTIONS ON MY FILES THATS NOT MINE.. 
XXXX IS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland funding is attempting to collect a debt that's satisfied. Made several attempts to resolve issue and company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
The months of XXXX and XXXX, Discover filed a report of late payment to my credit report, demoralizing my credit. During that time I was going through financial difficulty. I was preparing for my departure heading to XXXX XXXX training. In accordance with the fair credit Reporting act Convergent has violated my rights. 15 USC1681 Section 602 States I have the right to privacy.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: AK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED : XXXX XXXX ; ACCOUNT NAME- XXXXDEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation