BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: NIC, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a cell phone debt under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.

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 2022-07-30
Company: EQUIFAX, INC.
State: MI
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:
This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
This account is not mine, some used my information without my knowledge to initiate this account. I have applied for credit and employment and have been denied due to this fraudulent account. I have tried to work with each bureau to resolve this issue to no avail, limited correspondence and not in a timely manner.

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 2022-06-09
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX, XXXX and 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 an account without my written instructions.

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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are over 20 finance companies that has posted inquiries on my credit. I have no dealings with any company except XXXX XXXX XXXX  XXXX XX/XX/XXXX for a car loan. Ive reached out to the companies that posted the inquiry, they stated that since I do not have anything with them there is nothing they can do. Reached out to Transunion they stated theres nothing they can do to reach out to yall. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/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 2022-06-09
Company: American First Finance, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is fraudulent and was opened from someone who broke into my vehicle and stole my person information. I do not owe any of this debt because it is FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I XXXX XXXX has been notified that Right Path Servicing ( RPS ) is a servicer who has purchase my note. I have never done business with Right Path Servicing nor contracted with them. Therefore, I insisted that they shall provide me with admissible proof that I owe the alleged debt in order to settle this matter. They have refused to provide me with the liability that created the debt in the form of the true original contract signed with both parties wet-ink signature, receipt of the bank loan check, an sworn affidavit of claim by the injured party or competent witness, or book keeping entries or accounting showing that RPS and the XXXX suffered a loss.

RPS has provided me with photocopies of the mortgage note without the promissory note which gives me reason to believe the mortgage was resold and bifurcated. I demand that RPS provides me with the endorse note as it is an important component of the original contract and I was told by the company that the note was being retained. I have also request the name of the individual who is the duly authorized representative for the company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing Act and the actions he/she has taken in relation to this account. RPS has disregarded and failed to provide the aforementioned documents to validate their claims. I then begin to receive threatening letters to foreclose on my real property in efforts to continue to securitize, extort and deceive me as a federally protected consumer.

RPS has not provided proof of claim to have the legal right and lawful authority to attempt to enforce collection of the alleged liability. 
The failure to provide proof of claim by Right Path Servicing has created permanent and irrevocable Estoppel by Acquiescence, forevermore barring Right Path Serving or other brand names from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX XXXX. As the authorized representative for XXXX XXXX XXXX, I have reason to believe the alleged debt did not exist in the first place or has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio recovery calls me every day least three times a day from different numbers I do owe them about {$2000.00}! I am currently not able to pay it because Im not allowed to work due to health reasons and I have told them this but they still call and I send the paperwork that they asked me out for back and they sent me the same paperwork again and still call

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-30
Company: AES/PHEAA
State: AR
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:
XXXX Fed loan account has been reporting inaccurate late payments for XXXX, XXXX, XXXX, and XXXX in XXXX. I have disputed these inaccuracies and they have not responded to any of my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 Account # 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 instruction.

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 2022-07-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XX/XX/2022 XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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: In progress
Consumer complaint received 2022-12-07
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have recently sent Prestige a rescission letter, letting them know different violations that I found within my alleged contract and that I am rescinding the contract. According to the federal law with any contract either party has the right to rescind at any moment. They received their letter by certified mail on XXXX XXXX stating that they had 20 days to respond. I have not received any response as of todays date. I take it that my notice has been accepted upon receiving the notice and upon the postal rule. I was never given that option to rescind nor did I ever sign off on anything waiving this right. Federal law states I have this right, I also noted in my letter upon reading the federal law it states the finance charge is the sum of ALL charges including interest and any premiums. My alleged contract that I have does not seem to show this. I was never offered any insurance through them my alleged contract shows all 'N/A 's as if this does not apply to me. If its an option on the contract I should have been given that option. I do not recall having that option nor signing a waiver saying that I decline it. If so please provide me with the copy with my wet ink signature. If not why was I discriminated against. I have asked multiple times for the audit of my file which I am entitled to, I still have not been allowed an audit of the file they have with my name on it. Federal law states I have the right to my file if I ask. I am wanting to see all incoming and outgoing currency with in the file. Before sending the rescission they also received my letter revoking POA and ALL signatures. Both XXXX and the dealership along with their registered agents received the letter. I also filed the IRS 56 Notice of fiduciary over this matter stating that the dealership is no longer the fiduciary but it is now ME the living natural human. XXXX violating many federal policies, rules and codes. I will continue to follow through with the parties involved also putting additional authorities on notice of this matter. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Listed Below you will find items reported on my TransUnion Credit report that 1. Do not belong to me, 2. I have no knowledge of this account, 3. Written instructions were not give in in accordance to 15 U.S. Code 1681b ( 2 ). 

- XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX {$960.00} - XXXX XXXX XXXX {$1000.00} - XXXX XXXX  {$1100.00} - XXXX XXXXXXXX Bankruptcy : Bankruptcy # XXXX - XXXX XXXX Bankruptcy : Bankruptcy # 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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It saddens me that after Capital One received my complaint about account ending in XXXX they continued to claim that they believed that the FRAUDENLT account was mine. In their response to me, which I will be attaching with this complaint, was that they believed that the account was still mine. 
I am resubmitting my claim to address what they have stated to me : XXXX. My information was stolen, I was not living at the account listed in XXXX nor had any communication with anyone that was there. 
XXXX. The phone number ending in XXXX was acquired in XXXX and couldn't be used to open an account in XXXX. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, and a copy of my drivers license as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received notice that my feb destiny card was closed and this company fraudulently reported i requested to close it when I never did. Furthermore, they advertise me a card with a higher limit and then tell me bc I had the card I didnt qualify. And dont get me started on their tty overseas reps

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: JPMORGAN CHASE & CO.
State: IA
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:
Using my United Visa Card I have held since XXXX I purchased 11 first class tickets from United Airlines for a once in a lifetime family trip to XXXX. I spent {$29000.00} on the tickets and another {$1900.00} on insurance from XXXX. The trip was cancelled due to the pandemic. United refuses to issue a refund, instead vouchers. Insurance wont pay because the vouchers were offered. Credit card company isnt responding. I need my money back. All charges went on my United Visa for 11 of 12 tickets. The 12th ticket was obtained with bonus miles. To make matters worse, even though I bought all the tickets on one account United made this 11 separate claims with separate numbers requiring individual responses to further obfuscate the claim. United Visa should take off all ticket charges because the trip never happened and United Visa should delete payment to XXXX because their trip insurance was a complete sham. None of the companies customer service people had any sympathy at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give, nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO MY LIVELIHOOD. 

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: In progress
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
Hello my name XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible!

Company response to consumer: Closed with explanation