BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
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:
This is Ridiculous! This is now my second Complaint that I'm filing against XXXX XXXX XXXX XXXX XXXX and Equifax about IDENTITY THEFT. I sent XXXX XXXX  a certified letter on XX/XX/XXXX informing them that I was a victim of Identity theft. According to the receipt they received my letter on XX/XX/XXXX at XXXX. As of today XX/XX/XXXX XXXX XXXX is still trying to collect on a debt that was required due to Identity Theft. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). 

XXXX is making a conscious effort not to follow the FCRA Guidelines and continue to report fraudulent information and Equifax is allowing this to stay on here. 
I provided XXXX and Equifax both with : 1 ) My police report when I found out about the ID theft.

2 ) My FTC ID Theft Report 3 ) The Certified Mail receipt from the letter I sent to XXXX XXXX and Equifax on XX/XX/XXXX. 
4 ) Proof of my Identity and address. 

This alone is proof that this account was opened Fraudulently and should be blocked. I have NEVER received goods, services or money from XXXX XXXX Bank NOR XXXX Funding. 

In response, XXXX continues to say that this Debt is valid because they got a " default judgement '' on a case that I didn't appear at because I did not have any notification about this. They sent a letter to an address I wasn't living at which is why I didn't know about this. They also say that I had a contract, initially, with XXXX XXXX bank. To this day I have not seen a contract, any signature or any legal information holding me responsible for this Fraudulent account. 

However, I did follow what the FTC Identity theft department informed me to do. 
I called XXXX XXXX Bank in XX/XX/XXXX and spoke with one of their agents and informed them about the Identity Theft and they said " they will notate it in their records but aren't the owners of this account and I would have to call XXXX Funding which I did. XXXX funding is trying to force me to be liable for an account that was acquired due to Identity Theft. I filled a report on XX/XX/XXXX because when I checked my credit report I had this account and several others and sent this out to the bureaus back in XXXX. Almost a year later XXXX and Equifax are totally disregarding the FCRA laws to Identity Theft. 

I expect this account to be blocked and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.

In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Experian Information Solutions Inc.
State: GA
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 XXXXXXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX account # 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 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 2023-01-31
Company: SANTANDER HOLDINGS USA, INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX XXXX order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$62000.00} in accordance with HJR-192 Public Law 73-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chrysler XXXX XXXX XXXX XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on XXXX XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX  and XXXX XXXX ID # XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they XXXX remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
So about 3 weeks ago my account was totally wiped all funds are out of my wallet and which was a cash app wallet. I sent rounded up XXXX XXXX  and I was going through issues trying to contact cash app and ask for help I was rudely turned down I have screenshots and more for prove. Then all of a sudden my account was at XXXX XXXX I was trying to get my wallet phrase from cash app they denied me so my funds should have stood on the block chain and they disappeared the only other conclusion would be just cash app! Because they only had access to my cash wallet then my cash wallet address changed with out notification. So who ever on cash apps end stole my funds changed my whole wallet address which I also had pending funds that were going to arrive. I keep asking for help and I Recive none! they wont even reply to my messages now!

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: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With equifax they are reporting The status as unpaid when this should say closed With Equifax, XXXX XXXX XXXX is not reporting that the account is In Dispute With XXXX, XXXX XXXX XXXX are not listing this account as In Dispute With XXXX, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with XXXX the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With Equifax, XXXX data is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type!

And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Southwest Recovery Services, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had to contact Southwest Recovery Services by phone to get their correct address because I sent them disputes and they kept coming back to me as undeliverable because of incorrect address. I sent it to the address which they provided on my credit report. 
After they gave me another address of XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX, I mailed the most recent Dispute and Notice of Debt Validation to them on XX/XX/2022. I have stated to them several times that I do not recognize the debt which they are reporting to my consumer credit file. Southwest Recovery Services has not replied to validate this alleged debt. They have also provided incorrect address to me so that I can not dispute the debt with them in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: FL
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: NC
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a conventional loan with Caliber Home Loans. Then the loan officer advised me I do not qualify for a conventional loan since i had a foreclosure on my record. She tried to force me in accepting an FHA Loan. I spoke to the loan officer to let her know the payments were beyond my budget and she did not want to deny the loan. Since, I did not trust her explanation of why she wasn't denying my loan, I emailed her requesting her to deny my loan. She responded with an email with other mortgage payment options and not acknowledging my request to deny my loan. I emailed her supervisor and he responded by calling me. I explained to him what has transpired and he said he was going to look at my file and get back to me the next day. He has not gotten back to me as of XX/XX/22. 

I sent another email XX/XX/22 directly to my realtor and the loan officer requesting to cancel my contract and refund my deposit. I specifically used the verbiage " I would like to exercise my contractual rights '' and " please issue a release and cancellation immediately '' under the contract 's financing section : If Buyer is unable to obtain loan approval within the loan approval period, or can not timely meet the terms of loan approval, all after the exercise of good faith and diligent effort, buyer may terminate this contract ... ... ..... 
I received a " Release and Cancellation of Contract for sale '' on XX/XX/22 evening. It was signed immediately and Im awaiting seller 's signature to be finalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Month of XXXX, XXXXXXXX XXXX. Money was sent on behalf of a friend, after I toold him not too. Approximately {$4000.00}?

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 monetary relief
Consumer complaint received 2022-11-01
Company: NCB Management Services Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. 

On XX/XX/XXXX NCB Management Services called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to NCB by XXXX XXXX in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. 

On XX/XX/XXXX, NCB called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with XXXX XXXX was not going away! I tried to explain to him that I didnt have an account with XXXX XXXX XXXX XXXX XXXX then stated that NCB called me the previous week about this debt. I informed XXXX XXXX that NCB didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Nelnet, Inc.
State: OR
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 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 2022-06-22
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The credit report continues to report that I owe {$84.00}. 
This debt was paid in full several months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts in question. Your failure to positively verify the account which I have disputed has hurt my ability to obtain credit. Under the FRCA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1681j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FRCA guidelines. I was told by representatives of all 3 major credit bureaus " I will not get a validation letter or a investigation letter as I requested by State and Government law as a consumer. '' Please include also the method used to " verify '' the debt you claim I owe. I have requested the person 's name, phone number, company address, company name and the individual 's title of the investigation. Please remove all non-account holding inquiries.

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 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, I spoke with a Transunion agent as I was trying to get to the FRAUD unit to dispute two inquires that fraudulently appeared on my credit report because a freeze had been lifted. I told the agent of my concern that there was still access to my credit file even with the FREEZE. I asked if there was a system like XXXX, where I could setup a security code to stop anyone from accessing my report. The agent said he didn't do that in his unit, I had to be transferred to the FRAUD unit to dispute the XXXX XXXX XXXX and XXXX XXXX inquires. I asked to be transferred and he said he could not do that. When asked why, he said I didn't have a legitimate reason to be transferred. When I asked for a supervisor, he hung up on me. I am asking Transunion to allow me to use a special code in order to access my report and remove the FREEZE. This way no other fraudulent inquires will appear. I am asking Transunion to remove the fraudulent inquires of 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report from Trans union XXXX XXXX and XXXX shoe accounts that I never applied for and inquires I never applied for it has banks, car loans. Credit cards that I have no knowledge of also XXXX XXXX  said my social security number has been compromised on the XXXX web

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 2022-08-19
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:
I am a natural person ; I am a living Human Being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. any they violated my rights numerous times. I demand the account listed below be removed because, According to 15 USC 1681 : I have a right to privacy and did not give Equifax written permission to furnish this account. 

Account : XXXX XXXX secured Credit Card open date XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a letter off to the credit bureaus to have the item remove, these items which one was due in fraud and the other was reporting incorrectly. I have sent a copy of the fraud report and a letter to under law the credit bureau has 30 days to verify. Debt it now passes the 30 days allowed by the law I am asking XXXX  and Experian to remove XXXX XXXX  late payments off my credit for a violation of the FRCA. The XXXX card is a fraud account, I am attaching the letter mail of the XXXX  and Experian on XX/XX/2020, and it now XX/XX/2020. I have not received any response from these two agents.

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