BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-06
Company: EQUIFAX, 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:
XXXX has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXX and XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise XXXX would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. XXXX aided and abetting with a criminal organization known as XXXX XXXX XXXX for gain of profits which constitutes that XXXX is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. XXXX did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. XXXX has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and XXXX are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of DHS CSS and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CITIBANK, N.A.
State: CA
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:
To Whom It May Concern : My complaint involves my Macy Account of approximately 20 years. I have patronized Macy 's for many years hence spent lots of money and was NEVER late on a payment until ; I changed from paper billing to online billing in XX/XX/XXXX. Not being totally use to the billing cycle online and having had a major health issue, a couple of payment got away from me and I was late with a couple of payments in XX/XX/XXXX/XX/XX/XXXX. <P/>In XX/XX/XXXX, I had a death in the family and unfortunately lost track again with online billing added to the stress of life and was a couple of paymentsXX/XX/XXXX. Both these situations caused Macy 's to report negatively to the credit bureau 's dating XX/XX/XXXX and XX/XX/XXXX. I would also like to mention, the payments were minor maybe {$10.00} to {$50.00} total for each. <P/>I have been working diligently to clean up my reports and Macy 's is the last company that is affecting my score negatively. I 'm told this negative reporting will continue for a total of 7 years. Please let me know if this in anyway can be removed as a courtesy for a loyal customer of 20 years. I am currently in good standing with Macy 's. <P/>Thank you in advance.. I appreciate it.

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 2022-09-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed a lot of inquires on, XXXX  credit report. All these inquires were not authorized by me. I have no idea where these came from. I have contacted XXXX and equifax and they refuse to remove my inquires, despite the laws. I have no knowledge and they have shown me no proof that these inquires belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
XXXX has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXXXXXX XXXX XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise XXXX would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. XXXX aided and abetting with a criminal organization known as XXXX XXXX XXXX for gain of profits which constitutes that XXXX is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. XXXX did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. XXXX has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and XXXX are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of DHS CSS and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified information

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 2017-06-22
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
because of the mismanagement of funds by XXXX XXXX XXXX XXXX we were required to file bankruptcy ( chap XXXX ) in XXXX to save our home.on XXXX/XXXX/XXXX the bankruptcy was finished and cleared. during the bankruptcy our mortgage was transferred to shellpoint mortgage servicing co. immediately after the bankruptcy was finished ( XXXX/XXXX/XXXX ) shellpoint served us with a " notice of default and intent to accelerate '' in an attempt to collect {$19000.00} which they said was was still owed. we hired an attorney XXXX XXXX XXXX, and after almost a year shellpoint admitted that we were actually current and did not owe these sums. in the meantime they have reported us 3 months late on payments causing our credit to plummet a XXXX points.further they were paying our property taxes even though they were collecting escrow for them. in an attempt to get away from them we tried to refi our mortgage with XXXX XXXX XXXX but because of the poor credit score the rate was no different than with them so this is costing us approximately {$800.00} a month in extra money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
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:
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

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 2022-09-06
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX has violated 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 my account without my written instructions.

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

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 2017-06-22
Company: EQUIFAX, INC.
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:
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXXXXXX XXXX  application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
please refer to complaint # XXXX. XXXX admitted fraudulent use of my identity regarding the XXXX XXXX application ; I was told in writing that the fraudulent inquiries would be removed from the 3 CBs ; not only the inquiries were not deleted, but, there was an additional unauthorized inquiry by XXXX dated XXXX/XXXX/2017. What 's going on? Why is XXXX keep doing this ; who in the credit department is using my identity. There is fraud here and needs to stop immediately and the fraudster in the credit department arrested!!!!!!!!!!!

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 2022-09-07
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXXXXXX has violated 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 my account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX XXXXXXXX has violated 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 my account without my written instructions.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I signed up for XXXX XXXX in 2006, and I was told that I needed more money than the {$4000.00} federal loan I was eligible for. XXXX told me that I needed to get a plus loan, but I was unable to do so due to being XXXX years old at the time and considered a dependent, and neither of my parents were able to sign on the loan. XXXX told me that they would cosign on the loan, and they then enrolled me in courses. I went to 2 classes and then was unable to continue going, so I withdrew from classes, and was told everything was taken care of. I found out a couple of years later that XXXX did not withdrawal me as they said, and took the full amount of loans for that semester. I received a call from XXXX XXXX, who was the servicer at the time, and they told me that my deferment was up and I had to start repaying my loans. I was very confused by this since I had been told I was withdrawn, and all funds were cancelled due to not being enrolled for even a full week. I attempted to explain this to XXXX XXXX, but they refused to listen and bullied me into making payments that I could not afford as I was a full time student at XXXX XXXX XXXX, XXXX XXXX by that time. I made a few payments until I decided I should not be being forced to pay back a loan that was disbursed under fraudulent means. Now, Navient is the servicer for this loan, and I am being consistently charged interest and is showing up as a {$13000.00} debt, when the original amount was for {$3800.00}. I have been attempting to fight this with both Navient and the credit bureaus without success. Another interesting fact is that this loan is not showing up on my FSA loan list, even though on my credit it is showing as a student loan. Frustratingly, I was young and stupid and did not properly hold on to all of my documentation, and everything that I had has been lost in the multiple moves I have made over the last 11 years. Now I have seen that there is a Class Action lawsuit against Navient and I found information on how to report a dispute to you. <P/>Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: EQUIFAX, INC.
State: CO
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:
XXXX has been notified six times of the error regarding XXXX XXXX/XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX/XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX XXXX. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX XXXX. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, XXXX CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Convergent Resources, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received notice from Convergent Outsourcing Inc regarding a XXXX bill. As I have numerous XXXX accounts I asked them to send validation of the debt and what was the service address. They sent a letter saying it is a valid debt and included a XXXX statement dated XX/XX/18. It had no information as to the location nor why the money was owed. I called Convergent. I was told this was the only information XXXX provided them. I was told to call XXXX which I did. XXXX had no information because they apparently sold this account to Convergent. According to XXXX, Convergent has all information on the account. 

There are several problems here. I realize it is a small amount. Had I received a bill in XX/XX/2018 I would have paid it. Now 2 1/2 years have passed and the collection agency, out of the blue, wants me to pay a bill that neither they, nor their client can provide me proof of the debt. 

And the collection agency says, again, that I need to get this information from XXXX. XXXX looked it up by my SSN, the account number, the phone number, etc. My issue is, if these companies are going to buy and account, then they must assume responsibility for the information they have. If not, then drop it!

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 2019-03-23
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019, Discover Card issued me a XXXX and still reporting full balance for the debt. It is for the amount of {$5400.00} Disputed through 3 credit reporting agency 's and came back verified. 

According to IRS, when a debtor issue a XXXX, it means " Cancellation of debt '' therefore, balance should be {$0.00} on credit reporting 's. 

See the case of " XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, No. XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just looked at my credit reports and was shocked to see the numerous amounts of errors you have listed. I am writing to have you remove them immediately. I will be in the process of applying for new loan transaction and the error will cause problems with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current & only address shown should be : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX My Valid Associated Names are as follow : XXXX XXXX XXXX XXXX XXXX My current & only phone number shown should be : XXXX My current & only EMPLOYER shown should be : 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 2021-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My dispute is in reference to a collection account that has been placed on my  XXXX , Equifax and  XXXX  credit bureau reports.     The account I am disputing is  XXXX   XXXX , a collection account for {$700.00}. ( The original creditor is noted as  XXXX   XXXX   XXXX . ) I have no record of opening any credit card account with  XXXX   XXXX    XXXX  , and am disputing this account as inaccurate/not my responsibility.

Company response to consumer: Closed with non-monetary relief