BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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 is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to block any items which were opened without my knowledge, consent, or authority. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$730.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ;

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 2017-11-16
Company: EQUIFAX, INC.
State: GA
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:
According to the statute of limitations in my state, this account should not appear on my credit report as they have been on there for 13 years. Please remove them from all three credit reports. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
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:
Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to EQUIFAX, XXXX and XXXX : Police Report, XXXX  Complaint file and number, Notatrized XXXX XXXX  form, XXXX Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, XXXX forms of identity, proof of address and a Copy of the XXXX Section 605B! 

I have submitted documents to XXXX. here is the tracking number XXXX I have submitted Documents to Equifax. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Collection : XXXX ( ORIGINAL CREDITOR : XXXX XXXX  ) Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Collection : XXXX  XXXX Original Creditor : XXXX XXXX XXXX ACCOUNT : XXXX XXXX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, TD XXXX FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX EQUIFAX ACCOUNT : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, IN XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Omega RMS, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a bill from Omega RMS LLC for the amount of {$240.00} informing I owe a bill to XXXX  but the strangest thing is I have an open account and pay this company every single month was informed that all bills owe was discounted and restarted account with XXXX balance. I never got a bill after this from the company and they informed me not to worry about any new bills for I am directly debited from this company. This is clearly a mistake that needs to be fixed immediately. I have been a customer for more than XXXX years XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
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:
The following dates and card accounts were applied for without my knowledge, this has caused a major hardship in my life. 
XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXXXXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX/XXXX  XXXX XX/XX/2019 XXXX  XX/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 2015-09-29
Company: BB&T CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I filed an identity theft report. I have repeatedly disputed fraudulent accounts that are results from identity theft on my credit profile that needs to be removed immediately. Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-05-12
Company: Sterling Home Loans Inc
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Like many others, we have been facing difficult financial times for the last few years. Late in 2013 we took a XXXX mortgage on our home to catch up on our bills and to help launch a business that would get us back to work. The lender ( Sterling Homes ) took a second position on our home. By the time they had the money for us we were desperate, and they smoothed through the XXXX pages of documents so quickly that we signed without really understanding what the paperwork said. Turns out the loan was to be paid back with interest only payments of $ XXXX monthly due to a 16.26 % annual interest rate and {$9000.00} in fees ( over 10 % of the loan amount ). Worse, they slid a clause in their fine print that says they can foreclose even if the first is brought current. These guys presented themselves as banker type lenders, but they were loan sharks. The terms of the loan are usery and they should never been able to charge such exorbitant rates and fees especially when the loan was secured by an owner occupied home. They said they were lending my business money, but they showed little or no interest in it at all. The business still has n't launched and money is still tight so we are almost 7 months behind now on both the XXXX and XXXX. The XXXX is with XXXX and they have agreed to a loan mod beginning XXXX XXXX that will substantially reduce my payment, get me current and waive all their late fees. The problem is that the second lender has a XXXX XXXX foreclosure date and will not grant any kind of modification, nor even let us catch up. They are requiring us to pay off their loan in full before XXXX XXXX or forfeit the home where we have been raising our boys for XXXX and XXXX years. They want to steal our equity even though we have owned the home for over 19 years, borrowed money from them only 3 years ago, and only owe about {$6000.00}. Please help us force them to modify their loan to allow us to keep our home. They have already made over {$30000.00} in straight profit for lending us $ XXXX and we still owe them the entire $ XXXX! They took advantage of our desperation and now they are trying to take our home even though the first lender is working with us. We need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX is offering me a payment plan called the CARE Program, which stands for Customer Assistance Relief Environment. I had some XXXX XXXX credit card debt which was then sent out to a third party, Central Credit Services. 

I have been making monthly payments consistently with CCS. This month, they offered me to elect to join the CARE program, which purports to be a monthly payment program which will alter my interest rates on the debt. They told me some of the terms on the phone. It sounded like they were offering to waive all late payments, but they said that the terms might change if I did not make my payments on time, so I was suspicious. I asked the people at Central Credit if I could get a written disclosure either digitally or in writing that contained the terms of the payment program. They told me they could not send me the terms until I agreed to join the program. I told them multiple times I did not want to sign up for anything without reading the terms, and they told me they could not send me the terms until I was in the program and kept stressing to me that I might not continue to be eligible for the program if I did n't sign up today. I told them I 'd think about it and get back to them and they continued to stress that I might lose eligibility for the program if I did n't sign up today and agree to a number of agreed monthly payments ( which were higher than my current minimum payment ). 

I told them no, and when I transferred back to make my monthly payment, I was asked to verify the amount I would like to make in my monthly payments. I told the representative I would only like to make one payment, and they finally backed off. 

It feels bizarre that they offered to change the terms of my underlying debt but would n't give me a written disclosure of the terms of the agreement. 

I posted about this on XXXX, and asked other folks to comment if they 've had the same problem. That 's here : XXXX/

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with Experian, XXXX and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on 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 non-monetary relief
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, Equifax and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was a member of XXXX 's XXXX ( XXXX XXXX XXXX ) and left the gym XX/XX/XXXX. I started receiving calls this year that I owe them a debt of over {$100.00}. I am unsure why I owe this much money on a membership that was {$20.00} a month. 
The credit collections, 'Central Credit Services ' was unable to tell me why. So I called the corporate office of XXXX, but they could n't help me either because the gym I went to ( XXXX on XXXX XXXX XXXX XXXX XXXX in AZ ) was a franchise and it has since closed down. 
So there is nobody in the world apparently that can get me a bill so I can understand why I owe this money. I have told Central Credit Services three times now I wo n't pay wihtout a bill. Each time they call me they offer me a different reduced amount. One time they offered me to pay 50 % and I said I would when they sent me a bill ... .she said she would look into it. 
I never received a bill so when they called again I talked to a guy who said that they can not give me a bill of why I owe what I owe and that is normal and how it always is. In frustration, I told him I would pay the 50 % portion just to resolve the issue but he said he could not offer me that even though I was told last time that was an option. He told me he could only settle at 10 % off. 
Furthermore he told me that he could only settle for less if I paid all at once, otherwise I have to pay 100 %. 
I am not a person who skips on my bills ... I pay my bills and am a responsible person. I, however, find it hard to believe that somebody can collect a debt on me without a written explanation of the charges. 
They have apparently sent me several letters to my correct address, but I have seen none of these. 
I declined to pay today, as I do n't have any wiggle room in my budget this month. I offered to call back another time. He responded that was fine ... .'well then we will just continue to call you '. Although this is n't a violation of any credit laws, it was extremely unprofessional to threaten to keep bugging me. 
I do hope though that debt collecting while refusing to provide a bill is in violation of debt collecting laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions 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:
When I was younger, someone broke into my parent 's house and stole a lot of items from our home but the most important item was a safe that contained personal information like our Social Security Number, Birth certificate, other personal information. A police report was filed but unfortunately, the safe was never returned or found. 

Now, almost 20 years later something that happen when I was a child is affecting my adult life i don't understand how this is happening over 20 years later. 

Items below are items I did not authorize or did NOT open : 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 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 XXXXXX/XX/XXXX Accounts I did NOT OPEN & now they are in collections. When I tried to dispute these accounts & I always received no reply back after months of waiting. The bureaus never were able to send me any type of validation for these accounts after over 5 times of mailing letters. 

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 XXXXXXXX XXXX XXXX - Date Open XX/XX/XXXX Also they have many addresses listed on my report that i never lived in & this needs to be updated

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 2016-10-21
Company: RentDebt Automated Collections, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I did n't receive any mail or phone call until a supposed collection from XXXX showed up on my report in XXXX. I have been unable to get any information as to what this is in regards to, only automated ''agents '.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Debt Recovery Solutions, LLC
State: TX
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: Was not notified of investigation status or results

Complaint:
Requested validation of debt and received no response. Requested for debt to be removed from credit due to no validation without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Can you please provide all records so I can review them for my records? Im building a case against you & currently I have numerous violations of the FCRA. If you continue to ignore my requests & continue to report this inaccurate account I will be seeking a legal remedy. Please correct the account as it is inaccurate & was posted without my knowledge. 


XXXX  XXXX XXXX Late Date XX/XX/22

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 2022-07-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my records & noticed many files 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 account 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. 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. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation