BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-19
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:
The following accounts are not reporting accurate information on my credit report. I have sent letters to the credit bureaus numerous times and yet, they still keep closing the investigation and indicating that the information being reported is accurate. The FCRA requires that the information reported on consumer 's credit report be accurate and if not, it must be deleted. Therefore, by law, the following accounts must be deleted as per the FCRA and the inaccurately reporting accounts. 

XXXX Card - misreporting on XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX - misreporting on Equifax Additionally, I have informed the credit bureaus ( Equifax and XXXX ) that the addresses below are also inaccurately reporting and should be removed from my file as they are not my addresses. 

XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: AFNI INC.
State: GA
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:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting
negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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:
I had a old disputed Loan account showing up on my credit report. This Account was allready removed more than a year ago from Equifax due to a the 7 year period from last delinquency. XXXX XXXX XXXX decided to do a Internal credit on the account making it appear that it was under the 7 years and sporadic payments had since been recieved. This caused it to be re reported even though its considered re-aged debt and past the Statue. I have tried for Months working with both XXXX and Equifax. Equifax states they can not accept my Support because XXXX reporting is overding. XXXX has provided letters attached that they say should be submitted to Equifax. Equifax says XXXX still reports against what the Support state. I am frankly tired of this each pointing fingers. This account is over 7 Year from the last recieved payment and should not be re-reported simply because they decide to make Internal advancements or adjustments to the account..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Affirm Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into a consumer credit transaction and a finance charge was imposed in the amount of {$610.00}. AFFIRM is alleging that there is a balance of {$4300.00} but the finance charge is the sum of all charges. I was not given proper disclosure and information was not fully, clearly & conspicuously disclosed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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: Personal information incorrect

Complaint:
There a couple of addresses on my credit report I am not associated with and I wanted to have them removed from the credit report. Each credit report has different ones that I am not associated with so I will list them by credit bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act The following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-08-16
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:
Upon reviewing my reports, incorrect information are being reported in my personal credit file. The XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2017-08-31
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My problem is with Selene Finance as they continue to try and conduct an illegal foreclosure to cover up the errors made by their own agents and those at XXXX XXXX ( previous servicer ). I can document this information and am currently dealing with the legal department at XXXX XXXX in an attempt to straighten this problem out. I filed a previous CFPB complaint and Selene Finance replied to me and the CFPB with a litany of falsehoods. Selene Finance seems to think that they can lie to a government agency and that you will sweep this under the rug, but I would urge your office to look deeper. In the response to my complaint XXXX, XXXX XXXX states that my permanent modification was denied because I did not provide a quit claim deed to XXXX XXXX. This is false, the documentation was provided in the submission and XXXX acknowledged receiving it. I am formally requesting that Selene Finance produce the package and information that was used to assess and grant the trial modification and all correspondence after that point. The agents at XXXX explained that since I had provided the Quit Claim deed and the Divorce Decree that my ex-wife would not need to sign any modification documents. This is another example of Selene Finance trying to cover their tracks and peddling falsehoods to me as well as a government agency. The fact of the matter is I made all of the trial modification payments, I jumped through every hoop and provided everything that was requested but XXXX lied to me through their blatant misrepresentations. Now that Selene is servicing the loan they own not just the asset but also the liability that comes with this instrument. Their continued advancement of these lies only increase the liability for Selene and should be cause for an investigation by your agency.
The response letter from Selene confirms my initial allegation, that I had not received a deferment in the past, even though that was the reason that was repeatedly used to deny my modification request. However, even though this mistake was supposedly fixed, on XX/XX/2017 I received a phone call from XXXX XXXX who said that since I had a deferment in the past the investor would not allow me to be considered for a loan modification. This is a direct contradiction of the information that was sent to me and also the CFPB. 

Finally, Selene states that I cant be considered for a new loan modification, because they state that my income is not sufficient, and that when I submitted new financial information that the income was the same. This is yet another lie perpetrated by Selene Finance. My financial circumstances have changed and the most recent financial information that was submitted to Selene showed a substantial increase in income. Every time they respond they dig a deeper hole with the lies and misrepresentations. I want to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: MA
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:
An unauthorized account with the name of XXXX XXXX XXXX and a XXXX XXXX XXXX is being fraudulently reported on my credit report by Experian, XXXX, XXXX and the creditors wont fix the problem even with a police report and a FTC 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 non-monetary relief
Consumer complaint received 2019-10-19
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The XXXX  reports all CO and XXXX reports all OK? This is way back 2015, clearly this hasn't been investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: SYNCHRONY FINANCIAL
State: AL
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:
Synchrony bank credit card/airline-XX/XX/2019 Synchrony bank credit cards/airlines-XX/XX/XXXXXX/XX/2019

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 2019-10-19
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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 lived at a apartment complex in XXXX Washington called the XXXX XXXX  for over 10 years. I moved out XX/XX/XXXX. In XX/XX/XXXX the XXXX XXXX turned over an amount of {$160.00} to XXXXQ Data International Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX. IQ Data International Collection Agency reported this FALSE FRAUDULENT DEBT to all three credit bureaus. 
I only recently became aware that IQ Data International reported  this fraudulent debt to the credit bureaus when I submitted an application for an apartment. I submitted a dispute online to XXXX regarding this debt and within 24 hours it was deleted from my XXXX Credit Report. I am in the process of having this false fraudulent information deleted from my XXXX report. In the meantime, the CFPB should investigate this collection agency for violation of fair credit reporting. This has not only prevented me from obtaining housing until this matter is resolved but it has also cost me money in application fees and attorney fees. Its not right that these collection agencies can place false debts without your knowledge or without notification on your credit report. I do not owe XXXX XXXX  a dime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: ALLY FINANCIAL INC.
State: DC
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:
I was shocked when I reviewed my credit report and found late payments on the dates below : ( ALLY FINCL - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2022-08-16
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:
I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what I have found on my credit report that is not mine! 

XXXX XX/XX/2022 {$6100.00} DEPTEDXXXX  XX/XX/2022 {$4000.00} DEPTEDXXXX XX/XX/2022 {$3200.00} DEPTEDXXXX XX/XX/2022 {$6400.00} XXXX XXXX  XX/XX/2022 {$350.00} XXXX XXXX XX/XX/2022 {$350.00}

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 2019-08-03
Company: Early Warning Services, LLC
State: UT
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:
EWS failed to provide a 100 % accurate and verifiable investigation, I requested that they DO NOT USE a XXXX system and provide the necessary documentation in compliance with the law. EWS instead sent letters stating they couldn't retrieve the necessary documentation, but continued to verify the fraudulent accounts anyways as 100 % accurate and 100 % verifiable which is false and a major violation for each occurrence. I am requesting for EWS to fully 100 % comply to the law not comply 50 % of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from XXXX XXXX , XXXX today, X/XX/17 that stated that I owe XXXX money. I called XXXX and confirmed that I do not owe anything- I called both XXXX XXXX as well as XXXX XXXX . I then called XXXX XXXX and explained the situation and was told that I am disputing the charge. I am filing a complaint here because they have also been calling me incessantly over the past few weeks from various numbers in XXXX XXXX, NJ, including : XXXX, XXXX, XXXX. I just hang up usually but when I called back once to see who it was, it turned out to be Convergent.

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 2022-08-16
Company: EQUIFAX, INC.
State: MO
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the follwoing items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the follwoing items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-19
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I had my account closed at chase bank and I had a remaining balance of XXXX that was owed to me.my ending balance.XX/XX/2019 my account was debited for that amount and a check was issued I was told it would be sent out by the XXXX of XXXX and it would take 7-10 business days to arrive.well those days came and passed I called chase numerous times and I have always got the same respond it was either we sent it out or we can't send it till we contact the issuer.i said its been 30 days and still the check has not been returned unpaid or nothing negative on my behalf.so I dont know the reason why they keeping my funds from me.i have had a set back from this on my bills and had my phone turned off and had problems getting to work and it has been hard for me to bounce back from this issue.XXXX might not effect some peoples lives but it did mines I rely on every pay check I have a daughter and it has caused me trouble since and they still qont give me my funds that I have worked hard for.

Company response to consumer: Closed with explanation