BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax should have arrived at the correct resolution to the following dispute, in light of the fact that the debt collection agency that placed false information on our accounts is in violation of Federal law. They should also restore us to a high credit score. 
XXXX XXXX XXXX XXXX, through its representative, XXXX XXXX, has a false claim that I, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, owe a debt that we do not owe. They have filed this on our credit reports, despite the evidence that their claims are inaccurate. This is a clear violation of the law by their false representation of an amount and legal status of the so-called debt they are claiming. We provided them the information and evidence that they are in error, but they have since failed to correct their error. 

Originally, a dispute had arisen with a potential landlord that was settled in court. When judgment was entered in court, we satisfied the judgment, since XXXX 2015. However, XXXX XXXX XXXX has continued to negatively affect our credit score since that time by insisting that we owed an amount which is simply false and inaccurate. 

XXXX refused to correct their records, despite the fact that they were made aware that they are violation of the Fair Debt Collections Practices Acts ( XXXX XXXX XXXX XXXX, especially section XXXX ( false or misleading representation of " A ) the character, amount, or legal status of any debt '' ). We provided them the evidence of the notice of satisfied judgment, and XXXX XXXX, their representative, refuses to correct this information. 

We provided proof of the satisfied judgment amount and closed legal status, which was significantly less judgment than their client was claiming. We notified them that further delay requires further action provided by the laws of the United States. 
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ A fair resolution will be the correction of the false information that XXXX has placed on our credit files. Any payment the court needed us to pay was already paid in court, and the amount the court requested, which again we satisfied, was already much lower than what XXXX XXXX XXXX is claiming to collect. My wife and I should be compensated for the monetary value of the combined change/loss in our credit scores due to their false report. 
Most importantly, they must cease and desist from wrongfully reporting the legal status or amount on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Rock Creek Capital, LLC
State: NC
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 worked for XXXX, I leased a car from them in XXXX. The arrangement was that I could keep the car and at the end of the lease term, buy the car or return it. 
XXXX is an XXXX XXXX program and each week you were allowed to receive your earnings by cashing out XXXX took their money for the lease payment off the top. Therefore I was never unable to pay my account. If I didnt work for a week, they took it out of the next week. I could not receive my money until they had theirs. 
Im XXXX, I stopped working for them, purchased a truck and called XXXX about returning their car. I was told to remove my possessions and tell them where the car was located and they would come pick it up. 
Now XXXX  years later this company is stating I owe money for cleaning and towing of the car, and for past due payments. I called the company and asked them to provide proof, they didnt do anything. XXXX  months later they reported it to collections and somehow the dispute was verifiedhow? No one provide me with any information at all, even the credit bureau. I did my own research and the title trust they are saying is the original creditor is no longer even in business. It seems to me people are making these last ditch efforts to squeeze money out of people because they lost so much during Covid. Not my fault, not my problem. This is absolutely not a verifiable debt and I cant believe you can just put things in peoples credit reports with out penalties when they are lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The lender takes my application for a mortgage .... allows me to lock a rate and offers a free extension on the rate lock to ensure my business and then because I want to change from the 30 yr to 15 yr term - they tell me I have to take worse case rate. Or if I want to change the dollar amount of the loan application, I have to take worse case rate ... .. they are saying that I am not guaranteed the rate from the date that I locked .... I am forced to take the current rate .... so on XXXX I would have gotten a {$760.00} credit for that rate - today I have to pay over {$10000.00} for that rate ... .. 

What is this? I locked - why is this considered a change in application? 

Lender -PennyMac

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Resurgent Capital Services L.P.
State: GA
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:
Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 
1.The Truth in Lending Act is intended to inform consumers about the cost of credit. 
2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
3.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt. 
4.XXXX  is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt. 
5.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any. 
6.The Truth in Lending Act is intended to inform consumers about the cost of credit.

7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
8.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 
9.XXXX  is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt. 
10.XXXX  is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
hello my name is XXXX XXXX. i have recently came across an issue with my credit report. two years ago i was receiving help from XXXX of XXXX county and they provided assistance with repair my credit due to many errors on my credit report. all XXXX bureaus ; equifax, XXXX, and XXXX had false information. well i made a dispute with all XXXX bureaus and the only bureau that corrected my information was XXXX. i would like XXXX and equifax to acknowledge my dispute and fix my report as to my attachment i have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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:
On XX/XX/2022, I found out an account was opened in my name on XX/XX/2022 with XXXX Credit Card, XXXX Georgia, in which XXXX XXXX XXXX XXXX was purchased. The information was reported on my credit reports. The credit was for the amount of {$4000.00}. I contacted XXXX and received no response from them. They were suppose to contact me from the fraud department within 3 days but I have yet to hear from them. I contacted the company XXXX on XXXX XX/XX/2022 and informed them that it was a fraudulant account. They were not helpful at all. Stated it was my information so implied it was my account regardless of how much I tried to explain that I did not open the account. Contacted the XXXX fraud department and found out the person used my name, address, ss # and date of birth but used a different email and phone number. On the same date, XXXX XX/XX/2022, that I spoke to the fraud department and informed them of the fraudulent activity, I received an email stating that they updated my account with the correct email and phone number as requested. I clearly informed them that I did not have an account with them and was attempting to report fraud, not update information. I was sent a Fraudulent Affidavit application emailed to have signed and sent back with the appropriate information. Information was certified and sent via email because I was not able to fax it to the fax numbers they provided. I had not initiated a police report at that time because I was not aware that I had to. The company received the affidavit on XXXX XX/XX/2022 and stated that it was under review. I also had my credit frozen and notified the social security office of fraudulent acctivites being initiated using my social security number. I initiated a police report on XXXX XX/XX/2022 but was told they could not do much since it was out of state. I was instructed to initiate this report by the social security office and the XXXX XXXX Sheriff 's office. I have also had other accounts of someone attempting to use my identity to obtain loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I was able to resolve those issues.

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 2021-09-25
Company: CAVALRY INVESTMENTS, LLC
State: NY
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several creditors who pulled my credit report without my permission. XXXX wants me to approach the creditors and get permission to remove the hard inquiries. There are even some companies that have ran multiple inquiries. Equifax is asking for a personal statement to remove the hard inquiries. There is no process to remove fraudulent hard inquiries on credit report on their website or by phone call. Spoke with customer service and supervisor at Equifax, they will not provide evidence that the creditors pulled my credit report legitimately or had permission. This is double standard. They are asking me to do the legwork of contacting creditors and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. I need help with removing the hard inquiries on my credit report with Equifax. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when I did n't authorize it in the first place. THE FCRA STATES THAT ANY DATA ON YOUR CREDIT FILE THAT IS NOT VERIFIABLE IS NOT FACT AND SHOULD BE DELETED ASAP Thanking You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
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: Account status incorrect

Complaint:
CFPB + Equifax, This complaint is in relation to a credit account this creditor ( XXXX XXXX XXXX XXXX XXXX ) has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
U noticed a few inquiries in my report I did not authorize

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 2022-08-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I transfer money from my savings account ACH to other bank and it was a scam. I made 4 different transfers to this company and now my bank told me that they can do nothing to help me. Spend over an hour on the phone talking to 4 different people, they took my callback number and no one called me back when we got disconnected. The amount of 4 transfers is 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 2022-09-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/22 Received a letter from synchrony bank that a person was trying to open a Lowe 's credit product and they needed additional information to verify identity. It was mailed to our address but addressed to a different person 's name. We do not know this person. XX/XX/22 I called synchrony bank to report that the person was using an incorrect address. They said they said not to do anything thing and to just throw the letter away. I asked them to please record the address for their files with the incorrect information so that it doesn't wind up effecting us.

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 2017-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed some accounts on my credit report with this agency. they said that the accounts were verified but have yet to send proof I know by law they to send me proof that the accounts in question verified in a lawful manner have yet to receive anything

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Today I received in the U.S. Mail a letter dated " XXXX XXXX, XXXX '' from " Equifax '' who is refusing to " delete '' the negative " XXXX XXXX XXXX XXXX '' entry of " Foreclosure '' off my " Equifax '' credit file. I filed for divorce on XXXX XXXX, XXXX. My ex-wife ( XXXX XXXX XXXX ) wanted our house in XXXX, California. So I moved back to XXXX, California. Around XXXX XXXX, XXXX, Family Law Judge XXXX XXXX ordered me in writing via a Court Order to " immediately turn over '' the home in XXXX to XXXX. So I did so. I did n't know until recently that she, not me, but she had STOPPED paying the monthly mortgage after I had physically moved out from it around XXXX XXXX, XXXX. " XXXX '' and " XXXX '', the XXXX other large national Credit Bureaus under the above " legal '' facts and they both have removed the " negative '' foreclosure status off of my " XXXX '' and " XXXX '' credit files. Yet " Equifax '' still refuses to do so. I even mailed " Equifax '' all XXXX pages or so of Judge XXXX XXXX 's Court Order and " Equifax '' is financially penalizing and libeling me for something that my ex-wife had 100 % control over because of Judge XXXX 's Court Order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XXXX  gave me  XXXX , and then failed to give me  XXXX  or equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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 A FRAUDULENT ACCOUNT. I WAS A VICTIM OF IDENTITY THEFT! I HAVE ENCLOSED MY FTC AND POLICE REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. 

THIS IS NOY MY CREDIT CARD ACCOUNT! CAPITAL ONE JUST DELELETED TWO INQURIES OFF MY CREDIT REPORT FOR FRAUD. I HAVE MADE SEVERAL POLICE REPORTS WITH THIS MATTER AND MANY MORE. I HAVE NOT BEEN ANY INFORMATION AS PROOF OF THIS MATTER THAT IS IS ACCTUALLY ME. NO DRIVERS LICENSE NO CONTRACT WITH MY SIGNATURE ON IT NO COPY OF MY SSN CARD. I WOULD GREATLY APPRECIATE A RESOLVE IN THIS MATTER, AND THIS BE REMOVED FROM MY CREDIT REPORT. MY SOICAL SECURITY NUMBER WAS USED IN THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Receiving constant " alerts/updates '' from XXXX & Experian which seem suspicious in that they request personal info. to continue. All are subject : " This Is Sensational! Your XXXX XX/XX/2022 Scores just hit an all-time high ''. Example follows : This Is Sensational! Your New XX/XX/2022 Scores just hit an all-time high XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX at XXXXXXXX XXXX Great Scores Get Your XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from Experian, XXXX and XXXX Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 

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XXXX XXXX + Add to contacts 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