BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
As a consequence of the pandemic, I lost my job so I could only keep up with the mortgage payments until XX/XX/XXXX ( 5 months into the pandemic ). I found myself in default for the whole year of XXXX and part of XXXX. However, for most of XXXX, the state of Maryland XXXXXXXX XXXX XXXX had been in close contact with Fay Servicing , LLC as I was in the process of being approved for homeowners assistance to bring my mortgage up-to-date. According to a Fay Servicing representative, with whom I spoke, they informed the state of MD that Fay Servicing was placing a hold on my loan-account until XX/XX/XXXX, before they would take any further action. However, on XX/XX/XXXX, Fay Servicing reported to the credit bureau that I was in default which caused a XXXX drop to my credit. 

They did not keep their promise to wait until XX/XX/XXXX. I immediately called XXXX XXXX to report this and told their representative that their company had clearly acted in absolute bad faith because the entire time that I had been in default ( for 20 months straight ) they had never reported anything to the credit bureau. They knew the state of MD was helping me out, and they reported me - before the date they had set up themselves. Their representative had the audacity to tell me that I was not the only one that was affected by the pandemic ; that millions were keeping up with their mortgage payments. I told him that it was not his place to be making diminishing judgments of any of their customers. My mortgage is now up-to-date thanks to my state assistance. Over the years, I have come to dislike the way Fay Servicing representatives talk to me. They are extremely disrespectful and rude. I always feel intimidated by their phone calls especially during this pandemic that turned my life upside down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NY
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 Acr 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 an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MD
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 is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$750.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-08-02
Company: Consumer Portfolio Services, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Consumer Portfolio Services, has not provided me any documentary evidence pursuant to 15 USC 49. They have not provided me with any contract bearing my wet blue ink signature that I owe them. 

Furthermore they have been reporting an alleged account on my credit report negatively. 

I will have no other choice but to file a complaint with the attorneys general if they do not delete this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 Acr 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 an 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.

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 2022-06-22
Company: Experian Information Solutions 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:
Someone gained access to my credit card and made purshases/changes that I did not authorize or regonize in XXXX XXXX. I disputed this information as I was told to do by a represenative they still reported a late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
fraudulent inquiries have been reported on my consumer reports i have disputed these in the past with no remedy available to me. i just filed a complaint with the FTC heres my report number : XXXX these need to be removed immediately you are in violation of my rights! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need your help to stop this deceptive practice and fraud for bills that I did not own. I always asked the Lab for insurance cover/billing before any service was performed and was told yes/accepted. 
I was told it is covered 100 % with no co-pay and will be billed directly to the insurance company. Instead of sending the bill to XXXX XXXX XXXX send my name to Credit Control , LLC for collection to hammer my good credit for no good reason. I understood it was paid when I told the doctor 's office XXXX XXXX months XXXX XXXX sent me a bill of {$110.00} since XXXXXXXX XXXX. I called the number provided in bill XXXX XXXX many times always a voice mail with never return calls. 
XXXX XXXX XXXX office confirm it was covered 100 % before sending me to this Lab. Also, I contacted XXXX and confirmed it was covered as part of the annual check-up and paid. 
This type of deceptive practice and fraud for more profits need to be stopped, business-like XXXX XXXX must face consequences for rip-off many XXXX  like me. 
Thank you for all your help and I am looking forward to hearing from 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 explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: GA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: Wilber and Associates, P.C.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My son was in an automobile accident in GA with my car, both were insured by XXXX XXXX. Both cars were total losses, and mercifully there were no reported injuries. My son 's passenger worked for XXXX at the time, and my son offered to our insurance adjustor that he had volunteered to bring her to a grocery store. XXXX XXXX denied our claim, stating that my policy did not provide such coverage, and their payout was XXXX. We had to incur stiff towing and storage fees, that were also not covered, we also have not been able to replace our car. 
XXXX, the other driver 's insurance company, has hired Wilber Associates to collect $ XXXX in subrogation costs that they paid out to her for her vehicle loss. 
Because XXXX XXXX denied our claim, we are being harassed by Wilber Associates who is claiming to be a law firm, and is in fact a debt collection agency. They have called us no less than 9 times, emailed us, and sent 2 sets of demanding letters in 3 weeks. They have threatened to have our licenses suspended by the state of South Carolina if this debt is not paid in a timely manner. Never did they mention, or does it state on their demand letters, that this claim could be disputed. With each call they ask if we are able to pay this large sum. 
Although it is a hardship, we have spoken with a lawyer in order to dispute and potentially have this claim dismissed. We are not seeking litigation, and we do feel we are not being treated fairly or decently by Wilber Assoc. This has also negatively impacted my son 's condition of acute anxiety for which he is being treated. Our stress level is quite high at the prospect of a possible judgement against us, and having our licenses suspended. 
We do not have the funds to pay this debt that we feel is not ours, and really do not have extra revenue for retaining legal counsel at this time. 
Thank you for your time and the opportunity to state our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 previously reported XXXX XXXX, now they are being listed under a different debt collection agency as XXXX XXXXXXXX as an illegal debt tactics in an attempt to collect after being previously deleted. I was not notified of any additional documents or evidence to be added back to my credit report. Please delete or legal action will be taken. 

XXXX XXXX accounts were deleted XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-21
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:
I disputed this acount due to the account charged off in XX/XX/XXXX and showing 0 payment history until XX/XX/XXXX and XX/XX/XXXX, per Experian showing the account as charged therefore should not have any payment history whatsoever and why are they reporting charge off now again Per the FCRA I have the right to a accurate credit report and this is not fair or accurate

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 2022-10-27
Company: Genesis FS Card Services, 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: Account information incorrect

Complaint:
dear cb indigo, This letter is a formal request to correct inaccurate information contained in my credit file maintained by your organization. The item listed below is completely inaccurate, incorrect, misleading and is a very serious error in reporting. 

XXXX XXXX  : account # XXXX Additionally, I have enclosed a copy of the credit report your organization provided to me on XX/XX/2022 and circled the item described above. 

Under the federal Fair Credit Reporting Act, credit-reporting agencies are required to maintain and report only 100 % accurate credit information and to investigate any claims of inaccuracy within 30 days of receiving such a claim. I respectfully request you investigate my claim. 
If after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item and supply a corrected credit profile to me. 
Additionally, within 15 days of the completion of your re-investigation, please forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: Block, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have to deposits hold for {$50.00} on XXXX, XXXX. the deposit was released back to me, but the merchant informed me that cashapp holds the money for 30 days. upon contacting cashapp I was asked to provide documentation, with company letterhead, dates, {$0.00} balance, contact info, last four of card info. I've provided email receipts, and physical receipts, cashapp is refusing these documents, but refusing to tell me why they aren't acceptable now. 30 days is to long to wait on " my '' money that has already been released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
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: Their investigation did not fix an error on your report

Complaint:
Yes i have dispute with experian concerning the bankruptcy on my credit XXXX XXXX has remove it completly but experian said the will not remove it after the documentation i provided here are the laws that were violated 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 
( XXXX ) Paid tax liens which, from date of payment, antedate the report by more than seven years. 
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. Furthermore, the Consumer report agency can only add any Bankruptcy to a credit report once they have documentation certifying the Consumer withdrawal of a Bankruptcy Case. This Consumer Report Agency does not have any type of documentation showing that I withdrew any Bankruptcy case and if they happen to have such a document then this Consumer Reporting Agency will be in Violation of My Privacy Act.

Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.

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 2022-06-22
Company: EQUIFAX, INC.
State: SC
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 the following accounts has violated my rights. 
XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX XXXX. U.S. Bankruptcy XXXX XXXX Reference # XXXX 15 U.S.C. 1681 Section 604 A States : I have the right tp privacy.

13 U.S.C. 1681 Section A Section 2 : States a consumer reporting agency can not furnish accounts without my written instructions.

Company response to consumer: Closed with explanation