BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: CO
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:
I have contacted over the years experion, XXXX, XXXX. I was also included in the data breach of XXXX and they have done nothing. Items that are very old has not been removed on my report. Also they have 60-70 inquiries on my report that never go away. That I did not submitted. And they have no evidence to backup false inquiries on my report. I have made many many disputes and they all do nothing. I feel I have been profiled and I can not do anything. Also there is XXXX XXXX  that has put a freeze on my report, like some kind of red flag. Also there are false accounts that on the report and debts that I never had. Also when I request my credit reports from all agencies it is not full disclosure. Only bits of information. When I ask them to backup what is on the reports they ignore me. Also I have been breached on my credit and nothing has been done for me in years since the breach.

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 2023-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: EQUIFAX, 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 XXXX XXXX XXXX has violated my right. 

15 USC 1681 section 602 states I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: LEXISNEXIS
State: UT
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:
LEXISNEXIS AND XXXX, AS WELL AS XXXX XXXX XXXX XXXX XXXX, ARE REPORTING FRAUDULENT INACCURATE ACCOUNTS IN MY GOOD NAME, I HAVE DISPUTED THIS INFORMATION DIRECTLY WITH THEM BUT THERE HAS NOT BEEN A RESPONSE AS OF YET.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my multiple requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalanceOwed : {$9100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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: Account status incorrect

Complaint:
I have a late payment on my report from XXXX account number that should not be there and I have proof that the company has asked for it to be removed and it hasn't been and im going to attach that proof to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX : {$0.00}.

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 2022-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company bought a fraudulent account and is trying to hold me responsible for this account that isn't mine. This company still hasn't provided me any legal contracts that holds my signature or anything else and now that I know they bought this fraudulent contracts I need them to show me where they have legal grounds to come after me for such said account a d tge know its no mines this has already been removed from 2 of my 3 credit report this company need to remove this from my XXXX report or I will take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been trying to speak with someone in the fraudulent department of Speedy cash for the past couple of months, and I have not been able to speak with anyone. My complaint is in reference to a criminal matter. Speedy cash received an application of credit in XXXX of 2020 under the following names XXXX XXXX and XXXX XXXX from XXXX Texas. This loan application included an XXXX account that was opened fraudulently under my name XXXX XXXX. I submitted a complaint regarding that fraudulent XXXX XXXX Account and I will attach the complaint and response to this complaint so Speedy Cash can recognize and confirm that these applications used a fraudulent XXXX XXXX account that was opened under my name and how I am the victim of these fraudulent applications that have now been turned into a criminal investigation against me. I am extremely upset with Speedy Cash because of their lack of security for their customers and not verifying bank accounts and the rightful owners are the ones applying for loans, I am now the criminal in this matter when in actuality I am the Victim. I want Speedy Cash to recognize the GRAVE error they made and I want an apology and their acknowledgement regarding this matter and I want Speedy Cash to make crucial changes in security, identity verifications and bank verifications in real time. This matter will be turned legal if an apology and acknowledgement of their actions are not addressed in a timely matter which is 15 days from the date of my complaint submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have made several attempts and requests to have the PMI removed from our account. I submitted formal paperwork along with the required payment in XXXX. Since then, I have contacted PHH Mortgage requesting an update on my request. Each time I have been given a courtesy email stating they need 10 days to process my request. I received an email from my mortgage company wanting me to refinance my loan and stating the value of my home was more than double what I owed. When I confronted them with this information and asked again WHY I was paying PMI, I was again given the 10 courtesy email. I called and was told unfortunately nothing had been done with my request. When I expressed to them I wanted it handled before my XXXX payment or I would seek another Mortgage company, I was assured this would be taken care of. Today I received a letter stating they are no longer servicing my loan .... no refund of my required payment for the consideration for the PMI removal that was NEVER even reviewed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
mortgage compang will not allow me to schedule or view payments i am 4 months behind on payments but according to your website foreclosure cant begin until i am 120 days delinquent on my payments which I am not. i am currently just over 90 days delinquent and have a payment scheduled for this week which will put me at just over 60 days delinquent. On top of that my mortgage servicing company switched and i have been locked out of my account for half of the last 30 days and couldnt make payments and believed payments to not be credited properly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Convergent Resources, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX CONVERGENT OUTSOURCING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CONVERGENT OUTSOURCING 87387851 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXXXXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 XXXX 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 XXXX end the following : XXXX ( F ) REPORTING INFORMATION DURING XXXX COVID-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 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 XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
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: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Block, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX {$100.00} cash app Decline payment on XX/XX/XXXX of XXXX And said that it get got directly sent back to the XXXX XXXX merchant But I havent still receive my funds back yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.

Company response to consumer: Closed with explanation