BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I recently filed a complaint and was not resolved, and the law was not upheld. Equifax did not address how they failed to respond to a few of my dispute letters even though certified mail tracking via USPS confirmed they were left with an agent! The company didn't address my right to privacy being violated. For example, I STILL don't know how companies such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX obtained my private and personal nonpublic information to be able to furnish information onto my credit report to nonaffiliated third parties, such as Equifax! How did they get my social security number and who gave it to them??? Another thing that was never addressed by Equifax is that I also never consented to have these companies to furnish information onto my credit report XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These companies do not look familiar, hence why I asked for physical documentation, such as any original agreements, along with the clear and conspicuous opt out disclosures, which the law states must be " adequate ''. If I am remiss, and actually signed these documents, I need to see them! Furthermore, Equifax never addressed that when a consumer informs the credit reporting agency or original creditor of inaccurate information, they are to discontinue reporting the disputed information until the information is deemed inaccurate or factual. This did not occur! Equifax reported the entire time! Adding dispute remarks does not change the fact the this law was not followed!! Lastly, I did not consent to E-Oscar verification. I do not consent to E-Oscar verification going forward! Equifax never provided me with any real proof or documentation for the methods used during their alleged investigation, which I have the right to request!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: PA
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, ( ORIGINAL CREDIT ) XXXX XXXX XXXX XXXX, and 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 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under and open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Upgrade, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I applied for a debt consolidation loan with Upgrade and I was told I was denied using information from XXXX and XXXX. I accessed my XXXX report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX  report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed w the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and XXXX. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of XXXX why do they have different information for me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: NATIONS RELIABLE LENDING LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Nations Reliable Lending XXXX XXXX XXXX office in Ohio has a XXXX XXXX insurance agent XXXX XXXX XXXXdirecting business inside the building forcing customers to go with this insurance agent or the loan is not approved all so the loan officer and owner of National Reliable lending can get a percentage of premium. Not looking out for clients best interest. Only looking for kickbacks.

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$5500.00}

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 2022-06-06
Company: EQUIFAX, INC.
State: OH
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 recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization, and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Fay Servicing, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It's been an ongoing problem with payments since my loan was initially sold to Fay Servicing. 

I've called several times regarding issues with payment whether it's untimely processing of payments, the website, or partial payments that end up in suspension accounts and are not applied to the mortgage for random reasons. 

I contacted Fay Servicing last XXXX to dispute the escrow analysis as it did not seem correct. My escrow payments had increased by over {$150.00}. The phone representative told me that escrows often go up due to increases in taxes and insurance. I explained that I understood that as I had owned the property for over 15 years but had never encountered such a high increase. I asked for a written explanation and escrow breakdown analysis to show how the payments were being disbursed. I never received it and continued to make payments. 

This XXXX, I received another notice showing yet another increase of an additional {$77.00}, and that my escrow balance was significantly low. ( - {$2600.00} ). When I checked my state property tax database to compare, I saw that was not the case. My taxes had remained the same over the years just as I thought. Fay Servicing had continued to make the payments to the state but the XXXX escrow statements, payments, and balances were VERY different. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: First Credit Services Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX XXXX XXXX XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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:
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 2022-11-23
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good morning I received a reward from XXXX XXXX XXXX XXXX XXXX XXXX 
The amount was for {$9300.00}. The money was sent via wire to my lender United Wholesale Mortgage. United Wholesale mortgage has a servicer by the name of XXXX XXXX XXXX. The Reps at the XXXX stated that they verified all of my information prior to sending the wire to my lender. 

My lender has not been able to locate this wire from XXXX. 
I contacted the XXXX reps and asked them to give me a copy of the wire confirmation and the federal Reference number- this is what United Wholesale Mortgage has asked for to facilitate the process for the missing wire. This has taken 30 days. I am late on my mortgage and struggling- this reward was put in place by my XXXX. XXXX and it took me 8 months to get approved- only to have both sides XXXX and my mortgage company not be able to locate the wire!! 

I do not know who is at fault - I just want the wire for {$9300.00} to be found. 

I have waited long enough- I borrower money every month waiting to get caught up, so I am not 30 days late. 

I don't want to loss my home- I need this help that I was approved for. 

If needed I have all the documents I received from XXXX as I am approved and I have the letters from UWM stating that they can not locate the wire.

UWM needs to get the wire confirmation and federal reference number from XXXX- Please help UWM get what they need in order to locate my wire. 

XXXX is having a problem locating these documents to UWM. 

Thank you XXXX Bless you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item

s of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 60
4 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have reached out to XXXX, XXXX and Transunion regarding accounts that should not be on my credit report that have been reported as identity theft. The accounts have not been removed and the company has not provided documents to validate that these accounts do belong to me after requesting.

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 2022-06-06
Company: I.C. System, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested to join XXXX XXXX XXXX on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead XXXX I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from XXXX, XXXX XXXX ' collection agency. I called XXXX on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. XXXX 's hours are during my work hours, and it is not easy for me to call each day. XXXX never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted XXXX on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to IC Systems?! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted IC Systems and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.

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