BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-22
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent numerous letters to XXXX AND XXXX remove an account open fraudulently in my name. They are violating my rights as a consumer. XXXX XXXX has already removed this collection and they still refuse. This is hindering me from getting housing for me and my son. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of their alleged debt, nor therefore any such debt, in fact therefore exists. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX ( INACCURATE ) Date opened XX/XX/2020 ( INACCURATE )

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 2023-01-25
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: Investigation took more than 30 days

Complaint:
I sent out a letter out XX/XX/2022 in XXXX to XXXX, Transunion, and XXXX. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense.

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-04-08
Company: EQUIFAX, INC.
State: NV
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX, XXXX XXXX XXXX Balance : {$460.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$6900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6900.00}, XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National credit systems sent a letter to me in the mail in XX/XX/2023 offering to pay my collection at a discounted rate. I called and paid the offer in full but was actually charged the full amount rather than the discounted offer. The discount was offered until XX/XX/2023 and the collection was paid on XX/XX/2023 well within the time frame they gave.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Under 12 CFR 1026.5, please provide me with the original cardmember disclosure agreement. The copy sent to me does not provide the disclosure requirements listed in this code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: MD
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:
The Following account numbers have been reported to my credit report without proper consent, and the information provided is inaccurate XXXX XXXX, XXXX, XXXX improper origination date and incorrect creditor type In addition my private transactions wee furnished without my written consent According to 15 USC 1681 section 604 states the CRA must provide correct information.

I have the right to privacy.

15 USC 1681b permissible purpose section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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 my Follow-up 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. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: NJ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-06-19
Company: EQUIFAX, INC.
State: NY
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:
If, upon completion of your investigation, you find that any of the disputed items are inaccurate, incomplete, or unverifiable, I request their immediate removal from my credit report. Furthermore, I ask that you provide me with an updated and corrected copy of my credit report once the necessary revisions have been made. 

I have enclosed copies of the relevant documents and supporting evidence that substantiate my claims. Should you require any additional information or supporting materials, please inform me promptly. I appreciate your attention to this matter and anticipate your prompt action to rectify the inaccuracies on my credit report. I trust that, in doing so, you will ensure fairness, accuracy, and compliance with the applicable laws governing credit reporting. 

Thank you for your cooperation and prompt response. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: ACIMA CREDIT, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was paid in full in XXXX XXXX The payment took over a week to process. 

Received an email on XXXX XXXX XXXX that they confirmed a verbal authorization ( which they did not receive from me ) to change my renewal payment, frequency and total. 

My total went from {$0.00} to {$1200.00} I disputed this through XXXX. The status of this collection went from being " charged off. {$640.00} written off. {$850.00} past due as of XX/XX/XXXX '' to " Repossession. {$640.00} written off. {$1200.00} past due as of XX/XX/XXXX ''. The couch was not repossessed as I'm sitting on it right now. It was in fact, paid in full. 

I am including all payments made, correspondence, and screenshots proving that ( 1 ) this debt is paid off and ( 2 ) that this company is reporting false information on my credit report which is a violation under FCRA for which there is a fine for {$1000.00}. 

I would like this account removed from all credit reporting agencies and bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have submitted CFPB Complaint # XXXX, which is still open. However, in the interim I have received a notification from Moehala stating I only have 36 months worth of PSLF payments. This is obscured! I have provided documentation in my initial complaint and previously to Moehala to reflect that I worked at the state while making payments for significantly more than 36months. 

I continue to believe that the same illegal tactics used previously to keep people drowned in student loan debt is still being used. I have been out of XXXX since XX/XX/2008 and made payments this entire time. That is 15 years, and yet I still am in student loan bondage. Every time there is hope that the system has changed to ensure there isnt so much red tape to qualify for PSLF, it is quickly taken away. It is very upsetting to know that I took a job with the state barely making enough to be out of poverty with the promise that I would qualify for some level of student loan forgiveness, to yet still be waiting. 

I cant even consider getting a car because I realize the strain that having a car payment and potentially a student loan payment would cause my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Lennar Financial Services, LLC
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2023, a loan officer provided me a loan estimate with a floating rate. She noted that once the rate was locked, she couldn't open it. I replied in an email that we should move forward with the lock process with the expectation that the lock wouldn't be effective until after I signed to disclosures. 

I have yet to receive any disclosure documents or sign anything. So, on XX/XX/2023, I requested an updated loan estimate with changes. She said it was too late and that I needed to sign the loan estimate provided on XX/XX/2023. 

If I haven't signed the loan estimate or any rate lock documents. I don't understand how it is too late to make changes.

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 2023-03-21
Company: Experian Information Solutions Inc.
State: TN
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 has been bought out into the open that you are not hindering records when I sent a copy of the FTC report last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXXXXXX : {$4700.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-05-22
Company: R.A.Rogers, Inc.
State: DE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is my 3 complaint and request to R.A.Rogers. PLEASE RESPOND VIA CFPB AND OR MY EMAIL. This company can not provide the information Im asking for this is why they are sending me things in the mail. Its also Mail fraud if you continue I will report you. If you cant provide everything the law requires please cease and desist!! I have attached proof that Identity Theft and fraud has been committed 2 of the same contract and only one is correct I do not owe XXXX XXXX XXXX  any thing and I most definitely do not owe R.A.Rogers. I have every right to file a lawsuit against XXXX and R.A.Rogers. This company can not show they have Notice 15 USC 1681b permissible, purpose. 15USC 1681q ( 3 ) I did give Authorization to give or use my ID information for any reason to R.A.Rogers or SECU. Neither of these Companies has sent me a true negotiable bill the statements i have received is Mail fraud. Pursuant 15USC 1681a ( 2 ) if I at anytime opt in I am opting OUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have found multiple charge-offs on my account to be inaccurate and a hindrance to my credit report. 

XXXXXXXX XXXX Account XXXX XXXX Multiple innacuracies were found between all bureaus. 
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: IL
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX single mother of three. The Loan Modification that I was metaphorically pinned down to sign, increased my principal balance by approx {$36000.00} ; AND most importantly my interest rate went UP. That's correct, UP, with a hardship modification.My mortgage interest rate went from 2.87 % to 5.5 %. Prior to the predatory Loan Modification in XX/XX/2022, my mortgage was due to be paid off in XXXX. Now Selene, since they put the defaulted amount on the end of the loan and take over {$600.00} ( almost half of the monthly payment ) for the interest rate ; they've extended my loan payoff date to XXXX. I no longer work nor am I able to hold any type of employment. I get by, support my kids, get to doctor appointments, and pay my bills with SSD benefits, and my ex-husband child & spousal support. My support ends in XXXX. My mortgage will be even more impossible to keep up to date. The entire awarded NJHAF amount of {$35000.00} should have been taken off of the defaulted amount at the end of the loan, where the defaulted amount was added. I will be more than happy to supply all supporting documents in my next email. 

Meanwhile, I will prepare a timeline of emails and correspondences indicating Selene Finance 's evil predatory lending tactics. Selene knew exactly of my NJHAF application, pending approval, all while, processing an expedited foreclosure summons, then overnighting an approved 'Loan Modification ' document with an acceptance deadline date ; prior to them releasing the requested documents to NJHAF that was needed to process my approval for rescue funding. XXXX XXXX, of NJHAF, even had to call Selene personally to re-request the documents to be expedited, since the NJHAF process was stagnant due to it having been over 45 days since the original request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief