BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I became aware of a negative knock on my credit in 2020 by a debt collector credence collection. They instructed me to contact XXXX XXXX XXXX XXXX to resolve issue. I contacted them and they explained to me that they were looking for a XXXX somebody at at XXXX XXXX somewhere. I have no idea who this person is nor do I know or have ever lived on XXXX XXXX XXXX I told them it was fraud. I then got back in touch with XXXX to explain the same. I then contacted the social security office to let them know my information had been taken to create an account for XXXX XXXX XXXX XXXX XXXX After many calls it was eventually removed from my credit. Until naturally right before Im going to purchase a house it popped back up. This time instead of XXXX XXXX  it was under XXXXXXXX XXXX. So I was back to the same thing. I contacted XXXXXXXX XXXX they wanted me to pay the debt to have it removed when I explained it wasnt mine I told them I couldnt do that out of principle. They did tell me I could talk to XXXX XXXX XXXX XXXX XXXX So I did again. This time doing it online. But in hoping to speed the process up I hired the national debt lawyers at XXXXXXXX XXXX After 3 months this issue was again resolved and off my credit. Until this month. Now its not XXXX nor XXXX its IC systems collecting the same amount looking for the same person at the same address neither of which I know. I filed a dispute with XXXX and called a dispute with XXXX. XXXX denied my dispute transunion said they would resolve it. XXXX site advised me to call the debt collector. I called IC systems and they asked for XXXX. After I told them I have no idea who that is, explained the whole situation they said they could no longer talk to me and I needed to submit my information here. So here we are.

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 2015-09-24
Company: Armor Systems Corporation
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was under the impression that they were going to remove it off my reports. They said after it was paid that they would remove it. But its still reporting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: Experian Information Solutions Inc.
State: WI
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 a dispute regardding account XXXX XXXX with the 3 major credit bureaus. I heard back from XXXX and XXXX in a timely manner and the deletion of the account. Experian however did not get back to me in that timely manner, it has been a good 40-50 days, and they also did not delete the account like the other credit bureaus did. They are not above the law and the false reporting they are doing on thier end is really hurting my life.

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 2022-12-03
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company continues to call and try to collect debt owed from 6 to 7 years ago but updating false reports on my credit report showing account was open 2 years ago.

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 2022-07-03
Company: SouthLaw, P.C.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Get a cup of coffee it is very long. 
First this forclousure is on a debt that's over 20 years old. 

In XXXX of 2022 I went to work on Sundar evening as I work third shift. I opened my gate to leave and I noticed a realtor yard sign in my neighbors pasture with my address hand written on the realtor sign. I was puzzled but did not bother it. as it was on my neighbors land. So the next evening I left for work and on the inside of my gated driveway was a XXXX XXXX XXXX big thick envelope. I opened it and inside that envelope was a white envelope the was exactly like the one on the realtors yard sign. So I opened it up and it stated. 

( From XXXX ) On XX/XX/2022 there was a public auction at the county courthouse for property located at XXXX XXXX XXXX XXXX XXXX, MO. 
We have attached a copy of the sale notice that was published in a local newspaper. 
There were 5 bidders present besides the lender that ordered the sale. I think all of us were smaller private investors that buy a smaller number of properties each year. Four of the five bidders made bids at the live public auction on the home. XXXX ended up being the winning bidder. We should receive the deed in less than 30 days from the trustee. 
WE plan to offer the home and land for sale. It has always been our courtesy policy to offer the opportunity to buy the home to previous oweners first when the property is occupied at auction time. Would you have interest in buying the home? 
We have reached out and paid for insurance on the property to protect our investment. 
Wer are hoping you will have interest in buying. We would sell it to you for a lot less than we would sell it to anyone else. 
Please feel free to reach out with questions by calling or texting XXXX. Texting is usually a quicker and easier way to communicate for us but we'er avaliable for phone calls also. 

Thats the letter I got in the envelope. I had no process of service, no dunning letter from the debt collector. And no judgement filed against me or my property. None. We proved that by mailing a sunshine law request to our XXXXXXXX County Court Clerk. And we had a professional Title company do a title search to check if there were any Judgements. None. 
I hired two law firms with three attorneys handling my case and all three abandoned my case and put in a motion to withdraw after I demanded the attorneys assign another company called Southlaw as primary defendent and XXXX  as co-defendent. 

So now I have to do it myself. 

This has been going on now since XXXX of this year. I also sent off a ( QUR ) qualified written rerquest. to Southlaw, XXXX and their attorney, and everyone on the assignment that was on my title from the XXXX County Recoreder of deeds. I received nothing back from any of them as to validate the debt. 

I'll stop here and let you people do the rest. 

Respectfully XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: TN
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 & CARES Act, XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX XXXXOVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of 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 2023-03-12
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have made contact seeking the balance of vehicle after sold. I would like to have this debt removed

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 2022-07-29
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:
The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: MARINER FINANCE, LLC
State: IL
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:
Since XXXX XXXX XXXX marrian fiance have reported late reports even after i paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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:
The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to XXXX and Equifax credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
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: Investigation took more than 30 days

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 {$550.00}, XXXX {$0.00}, XXXX XXXX {$8700.00}, XXXX , XXXX & XXXX {$100.00}, XXXX , XXXX & XXXX {$100.00}. has violated my rights. All three credit agencies have different reporting scores and in correct information. I have requested to have all this reporting to be removed several times to the credit agencies and not removed. XXXX XXXX  was only removed in XXXX. XXXX XXXX  has not yet provided what this the collection debt in question. All three credit agencies should also have my name XXXX XXXX XXXX and address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX. I have mailed and called to request for my information to be accurate and no resolution. 

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.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known 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 2022-07-29
Company: Experian Information Solutions Inc.
State: VA
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 has been compromised. Again, I was going through my records & noticed many Inquiries 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 accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these Inquiries. 
XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/2020 XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX Date of Inquiry XX/XX/2020 If you feel there is a possibility these Inquiries belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2022-12-03
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:
Ive reached out to each credit bureau XXXX, Experian and a XXXX regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX  had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX  to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXXXXXX XXXX XXXXXXXX, XXXX and Experian liable for punitive charges. Also, I would like for XXXX XXXXXXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with XXXX, XXXX and Experian. According to the Fair Credit Reporting Act I have to consent and so never did.

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 2022-09-23
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I recieved an email on XX/XX/22, XX/XX/22 from Fortivia stating that my account contacts had been consolidated. Upon researching my account information I found out that a XXXX XXXX  had been opened up in my name. I only had an XXXX 's XXXX retail account previously opened with them. I contacted the company and spoke with at least 5 different accounts representatives. They tried to inform me that because of my excellent credit standings with them that I was selected for a XXXX XXXX with them. At no time did I ever ask for or request a XXXX XXXX from them. Nor did I give permission or authorization to apply for a XXXX XXXX. I do not want the card or it to affect my credit report in any manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Opened XX/XX/XXXX Balance XXXX Account is showing late payments for XX/XX/XXXX and XX/XX/XXXX. The account was never late and the vehicle was totaled on XX/XX/XXXX. Insurance submitted payment to them shortly after and they still marked the account as late payment. Account is current and the next payment is not due until XX/XX/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 2022-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an extension of credit with BANK OF AMERICA. On XX/XX/2022, I received an adverse action letter stating they were unable to approve my request. BANK OF AMERICA based its denial on economic loss and trends and third-party credit agencies. BANK OF AMERICA is in direct violation of 15 U.S Code 1602 ( f ), 15 U.S Code 1602 ( p ), and 15 U.S Code 1691 ( a ) ( 3 ). 

I sent a letter on XX/XX/2022, stating my concerns to resolve the matter.

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 2022-07-29
Company: EQUIFAX, 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:
Equifax has violated my rights. 

Account : XXXX XXXX XXXX I have disputed this account, its inaccuracies multiple times with Equifax but they still remain. I also spoke with a representative at XXXX and they had agreed to remove this account from my reports. Equifax has failed to remove this account! I am in my legal right to sue. 

Last Verified Date -- Does NOT match XXXX OR XXXX Date of Last Activity -- Does NOT match XXXX OR XXXX! 
Date Reported -- Does NOT match XXXX XXXX XXXX! 
Account Rating -- Does NOT match XXXX XXXX XXXX! 
Last Payment Date -- Does NOT match XXXX OR XXXX! 

Each inaccuracy can carry a fine up to {$1000.00} each against Equifax in court! 

I demand in my legal right this account be removed from my report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC [ XXXX ] To whom it my concern, The Fair Credit Reporting Act I have learned that your Consumer Reporting Agency has assumed a vital role in providing accurate and fair information to the banking system 15 U.S.Code 1681 ( a ) ( 1 ) the consumer understand the term Consumer Report does not include any transaction or experiences between the consumer ( me ) and the person making the report15 U.S.Code 1681a ( 2 ) ( A ) ( i ).

I the consumer have the right to privacy pursu 15 U.S.Code 1681b ( a ) ( 2 ). Your agency has violated my right to privacy by furnishing private information about me without any lawful author. my written consent.

or I the consumer understand that " investigative consumer report '' Means that your agency has the obligation to hold personal interviews with neighbors, friends, or associates that may have knowledge about any such items in question, However, Your agencies only go off the word of the creditor which is a violation pursuant to 15 U.S.Code 1681a ( e ) Debtor Collectors have practiced abusive practices as stated in code 15 U.S. Code 1692 - Congressional findings and declaration of purpose. I duly request that all collections be closed as they are listed as open. Account can not be validated by original contract or proof that I owe them debt with a signed agreement between myself and debt collector.

Company response to consumer: Closed with explanation