BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$58.00} XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
Dear Sir or Madam, On XX/XX/XXXX I inquired about a home purchase with XXXX and my credit was pulled for a USDA loan only. This credit inquiry is currently showing on my credit file as XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX I got another inquiry from their preferred lender, Calcon Mutual Mortage via XXXX XXXX also known as One Trust Home Loans. I immediately called them and told them not to access my file again and to remove the inquiry. XXXX XXXX advised me that the inquiry would only count as one and that he could not use the fie obtain thru XXXX XXXX although they are located in the same office. On XX/XX/XXXX the lender again accessed my credit file without my permission this time showing up as XXXX XXXX XXXX via XXXX XXXX. 

On XX/XX/XXXX an email was sent stating I wanted to cancel my application with this company due to numerous lies I had been told up to this point regarding the home, the loan etc.. The company responded by sending me a statement of change letter on XX/XX/XXXX stating my application has been withdrawn. 

On XX/XX/XXXX the company again accessed my credit fraudulently, without my permission this time using the name XXXX XXXX XXXX XXXX XXXX. 

On XXXX I was advised that XXXX XXXX could not approve my USDA loan but was able to get my approved for other loan types that I did not give him permission to inquire on my behalf for. My earnest money was refunded to me on XX/XX/XXXX and I have not had further contact with this company. 

I'm filing this complaint to have all unauthorized inquires removed from all reporting agencies immediately or I will be forced to file a police report. 


thanks in advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am on XXXX medicaid- this charge was covered and was reported to the clinic and to the collection agency that it needed to be billed- since they did n't bill in a timely manner before the 1 year it is not my responsibility to pay this for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I purchased a home. Franklin American Mortgage Company financed the mortgage loan. They disallowed me from utilizing {$15000.00} of XXXX XXXX  XXXX financing, based on a bylaw which deems community secondary financing ineligible. We had received {$10000.00} in the settlement office from the Vacants to Value program which provides funds for first time residents of previously vacant homes. The lender did not allow this money to be used in our deal. We had an active application with the Community Development Block Grant ( CDBG ) Homeownership Assistance Program for {$5000.00} for income-eligible city residents who are first time homebuyers. The bank considered these funds as community second financing because they are structured as forgiveable loans. Such a bylaw counters local efforts for community revitalization and homeownership and is discriminatory against homebuyers in minority populated, low income areas in need of community stabilization. <P/>XX/XX/XXXX: Began working with mortgage broker referred by real estate agent. Informed broker about intention to utilize community funds for financing our purchase. <P/>XX/XX/XXXX : Sent relevant documents to broker for loan approval XX/XX/XXXX : Sent relevant documents to broker for CDBG and Vacants to Value program applications. Applications required lender information. Broker informed me the grant applications would be completed and sent in on Monday, XX/XX/XXXX  Received loan package documents from XXXX XXXX XXXX XXXX XXXX of XXXX, MD ( acting in conjunction with Franklin American Mortgage Company for home financing ). Signed and returned. <P/>XX/XX/XXXX : Informed of conditional loan approval. <P/>XX/XX/XXXX : {$10000.00} issued to me from Vacants to Value Booster Program and sent to settlement office. Documents explain grant structure as 5-yr forgiveable loan. <P/>XX/XX/XXXX : Informed of inability to utilize community seconds for financing based on underwriters bylaws. Broker forwarded me language from the banks guidelines which was provided by email by Franklin American Mortgage Company Senior Account Executive for Maryland. <P/>XX/XX/XXXX : CDBG grant coordinator confirms structure of CDBG financing as a 5-year forgiveable loan. <P/>XX/XX/XXXX : Closing date. No public funds were used in home financing. Check issued by Vacants to Value Program was returned.

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 2022-04-18
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
! n accordance with the Fair Credit Reporting act The Bureaus acct XXXX and XXXX have 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 The Bureaus has been sending me collection notices in the amount of {$630.00} and {$730.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
During the COVID-19 pandemic we are asking Citibank to reverse the monthly maintenance fee on our checking account. Citibank refused to reverse the XX/XX/2020 fee.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? Be assured, I copied the complaint information you received and pasted my concerns in it. Your agency has a well-known reputation so I sought professional assistance in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX   XXXX never late XXXX XXXX  XXXX never late XXXX/XXXX XXXX XXXX never late XXXX/XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX   XXXX/XXXX  XXXX never late XXXX XXXX   XXXX not mine XXXX/XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX/XXXX  XXXX not mine XXXX/XXXX   XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX   XXXX not mine AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.

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 2022-04-18
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I purchased a XXXX XXXX XXXX from XXXX with a promissory not that was good as cash solidifying the purchase of the vehicle. Bridge crest then purchased my information from XXXX XXXX  which was then considered an asset from me the consumer and natural person. I received no value for my promissory note that the bank has the liability to give the asset back to me which I haven't received. The agreement the bank purchased was a retail installment " credit sale '' contract and in fact not a auto loan but the bank allege I was given a loan, but pursuant to 12 usc 1431 banks can only borrow money. The bank used false and misleading representations to collect on an alleged debt violating the fair debt collections practices act, the truth in lending act, and breach of contract by selling my note and personal information to XXXX XXXX XXXX without my consent. Im aware that after this account was reported as charged off, I the consumer was supposed to receive a XXXX form which I never received.

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 2021-01-28
Company: EQUIFAX, 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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: Altisource Portfolio Solutions, S.à r.l.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I, XXXX, received XXXX collection letters from Nationwide credit Inc. where they are showing the bar code in plaint view for anyone to see. 

To be clear here, I choose " Communication Tactics '' and choose the third option " Used, obscene, profane or other abusive language. '' I could not find an exact description of my issue with respect to the Bar Code. 

Showing the " Bar Code '' is a FDCPA violation of section 1692f ( 8 ). And in their first letter I received from them, they are violating the FDCPA by only allowing me XXXX options to resolve my account. SECURE ONLINE PORTAL, PAY BY MAIL, and PAY BY PHONE. It is like I have no other option but the XXXX that are given to me. Then they reverse themselves and tell me " Unless you notify this office within thirty ( 30 ) days after .... '' This of course is my mini-miranda rights. This is also a violation of the FDCPA and Texas Finance Code. They have been sued in the past for the very same things they have done to other consumer. Just recently XXXX XXXX XXXX XXXX XXXX, XXXX., the same bar code matter went before the court and the Defendant debt collector lost in the Memorandum that came out in XX/XX/2015. 

In the attachment is a copy of the letter I received and some recent court cases brought forth by other consumer like myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Have disputed several fraudulent accounts on my credit report with TransUnion and submitted FTC Identity Theft Affidavit/Report ( OMB control # XXXX, FTC reference number XXXX ) but they have chosen to not remove all of the fraudulent account information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Systems placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
JEFFERSON CAPITAL SYSTEMS placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax, XXXX, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the XXXX investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: States Recovery Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been a victim of identity theft since XXXX and my personal information was used by someone else to open more than XXXX credit card accounts. I found out about this in XX/XX/XXXX, filed a police report and imposed credit freeze. Nearly all of the fraudulent accounts opened under my name used an address in California. I've never lived in California and my only address from XX/XX/XXXX to XX/XX/XXXX was XXXX XXXX XXXX XXXX XXXX KS XXXX. So far I've successfully removed most of the fraudulent accounts from my credit report by filing disputes through the credit bureaus. I've also filed dispute with States Recovery Systems. Inc XXXX XXXX XXXX. XXXX XXXX CA XXXX, but they kept asking for payments even after I sent docs including police report and my DL to prove that I am ID theft victim. The balance on the account they are trying to also has an address in California. It appears to me they did not try to validate the information on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: GREAT LAKES
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Great Lakes is reporting to credit bureaus past due 120 days and it 's keeping me from getting a mortgage loan ( buying my home ) I have been paying on time since I have been employed ( I lost my job and could pay that 's what caused delinquency ) I requested in good will for the derogatory old remarks to be deleted. To date they report. Please help the loan is transferred/closed and I 'm paying through my fed loan servicing because I 'm now a federal employee

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Sent documents to CB INDIGO/GFrequesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from CB INDIGO/GF.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
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: Reporting company used your report improperly

Complaint:
XXXX, Transunion, XXXX XXXX XXXX XXXX To whom it may concern recently Made dispute with XXXX XXXX XXXX you replied back saying it was verified.. You Fail to send me documentation of the Description of the procedure or the re investigation by law.. This is a violation of of my rights.. 15USC section 602A states I have a right of privacy .15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instruction Also fail to send me signature of contract we agreed on You denied full validation that I requested by law. Please look in to this matter Cfpb 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 2015-12-26
Company: TRANSWORLD SYSTEMS INC
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent a transmittal letter saying a account has been placed with agency for collection. I am a XXXX year old women and spent most of my time XXXX. It is not possible for me to have a debt of {$10000.00}

Company response to consumer: Closed with explanation