BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX  XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have written several letters in the past, but this time i decided to keep a paper trail of notarized letters demanding an investigation into why i have so many inaccurate and erroneous information about me on my credit report on XX/XX/XXXX to all the Credit Reporting Agencies, and i got only a summary of my report which was still erroneous. I wrote a second notarized letter to all three Credit Reporting Agencies demanding an investigation into these anomalies, on XX/XX/XXXX, and again Transuion, XXXX and XXXX  sent a summary of my report with the inaccurate information. Finally, i wrote all three Credit Report Agencies warning them that i will have to report to the government agency ( ies ) of their ineptitude, and their response remains the same. I checked my credit report today being XX/XX/XXXX. And the inaccuracies still appear on all my credit report with all three credit reporting agencies

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 2017-05-25
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have been trying to satisfy a collectio n with Fox Collection company for {$91.00}. This collection was originally a bill from a   XXXX   office, that I did n't know existed. The  XXXX  office may have tried to send me a letter, but I had moved houses and never r eceived anything. No further attempt was made to me, nor did I realize I owed any money. Now the Fox Collection Center in Tennessee owns my {$91.00} debt from  XXXX /2015. I found out about this collection when a mortgage company ran my credit. Because it was medical related, I was told by the mortgag e company that I did n't have to pay this prior to closing, but it may be be wise to look into it further and try to have it deleted. I called Fox Collection Center, and they told me that they do not have a company po licy to delete collections if they are paid. Based on my research online, if the collection is not deleted, that the updated, paid, collection will actually bring down my score. I find it very frustrating that they are not willing to help me settle my debt for a {$91.00}   XXXX    bill I knew nothing about. Personally, I find it criminal for a collection company to do something like this. I have read a lot of reviews about this company on google and yelp, there seems to be more frustrated people besides myself. That 's why I 'm posting a compliant to you, the CFPB. Please help me understand if they are allowed to keep this collection on my account to hold againist me for future purchases, or if I should be allowed to have it deleted.     Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Monterey Financial Services LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
To whom it may concern, T My name is XXXX XXXX, I am filing a complaint against Monterey Financial Services due to a fraudulent loan. In detailed I was calling around to a few schools in XX/XX/XXXX, looking for a school that offered XXXX XXXX certificate. I reached a company called XXXX ( under a recorded line ). I was told by the representative XXXX that I could start school in XX/XX/XXXX after the holidays, when I was ready to start. The representative lied to me and told me to sign a docusign that would save the sale that was going on in XXXX for XXXX 's enrollment. I specifically told him I had someone working on my credit and I do not want my credit pulled. The XXXX representative unethical practices lied and stated that it was just part of the enrollment no loans or anything of such. With me just calling around to schools I didn't think anything of it. The representative told me I could cancel attendance at anytime with no penalties to me. I ended up attending another school and forgot about the one phone call to XXXX. Unfortunately, my email was closed and I was unable to access my email to even remember the companies name. All of a sudden I receive a bill XX/XX/XXXX in the amount of {$3400.00} for one phone call. I had never received any sign in, never attended a day of this school and was completely defrauded by this online loan. I have attended many schools this is the first school that has used unethical practices to give people fraud loans. Where is the product? I never attended the school, don't know about the school and after dealing with this have looked up the school XXXX   and Monterey financial services and both have horrible fraud reviews. Monterey Financial Services has many class action law suits and this should not be legal. One inquiry phone call with no product should not turn into a {$3400.00} bill under some fraud financial  institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: OH
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 started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Herbert P. Sears Co., Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. 

The HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. 

Now, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. 

I am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-03-20
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: Information belongs to someone else

Complaint:
I have XXXX  XXXX  XXXX. I am a victim of ID THEFT XX/XX/XXXX XX/XX/XXXX I am victim mail fraud XX/XX/XXXX XX/XX/XXXX. I am XXXX  years young. I grew up with pay phones. But I still have rights and NEEDS to hook up with the world On Line. I have XXXX  XXXX  screen reader XXXX scanner XXXX  Accessibility Tools. I need ACCESS TO EQUIFAX. I HAVE EMAILED XXXX MARKED XXXX ACCESS TO NO AVAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XX/XX/2022.

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 2016-03-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
macys credit card -- when we moved we changed all to new address made a couple of purchases never recd a bill would never have known that they were sending my bills to old address how i found out was i get my annual credit report and seen this i called them and and asked what happened found out they were sending bills to wrong address we changed to correct they told me i owe {$170.00} dollars they said if paid would take off all credit reports they were paid in two days i called them after 3 days said didnot rec yet called back and next person told me they did rec two days later but will not take off credit reports they just wanted there money XXXX had an XXXX credit score i always pay my bills this dropped score down a lot and i did nothing wrong not my fault they did not do there job updating there system when i sent them change of address how is this my fault they could have even called me they have my number it has not changed can you please help they wont even honor there deal oaid in two days they would take off 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 monetary relief
Consumer complaint received 2020-03-20
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with Lakeview Loan Servicing , LLC, which was acquired in XX/XX/2019.

My semi annual property taxes were due XX/XX/2019. I have received now two notices via mail for Overdue Property Taxes/Final Bill/Legal notice on these property taxes, both in XXXX and now in XXXX. At the time, I have submitted two Service of Error letters/complaints to Lakeview Servicing. The last complaint was on XX/XX/XXXX. Prior to that, I was told property taxes would be satisfied XX/XX/XXXX. As of XX/XX/XXXX it was communicated that the lender had until XX/XX/XXXX to pay my property taxes. 

There is currently {$4700.00} in my escrow account with {$2400.00} in overdue taxes. No one seems to call me back or give me any indication as to why these taxes are overdue.Property will be advertised for auction XX/XX/XXXX if not paid.

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 2016-07-27
Company: M&T BANK CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
m an t bank they post transactions against my account at XXXX but post deposits at XXXX and I would get charges because I did n't have enough to cover after complaing about this I did notice last night a deposit was posted at XXXX frist time in 15 years also i deposited a XXXX dollar check they held XXXX the teller told me it would clear at XXXX for the full XXXX they also charged me {$45.00} in shipping on new checks it came by mail after fighting with them they did credit me back some

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have filed separate complaints over {$38.00} fees charged for insufficient funds. Now M & T is charging multiple fees for just XXXX order. I made XXXX order from XXXX. The order is processed as shipped so there may be XXXX or XXXX debit charges for XXXX purchase depending on how many box 's. How can M & T charge multiple times for just XXXX purchase? This theft of my funds.

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 2022-03-27
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I have tried unsuccessfully many times to send money online through moneygram. 
I have spent hours on the phone, verifying my identity & having moneygram 's " security department '' verify my identity as well. I have yet been able to complete a transaction online, because moneygram continuously denies me services. On XXXX/XXXX/15 at XXXX EST is the latest example of moneygram 's discriminatory practices against XXXX. I tried to send money to my family in XXXX & was denied service. This has happened at least 6 other times with moneygram. As I said I have proven to moneygram who I am and that I have a need to send money to my family. MoneyGram has a long history of overcharging XXXX or denying services to XXXX. This practice must be investigated & MoneyGram must be held accountable for their actions/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Account information incorrect

Complaint:
New York ( XXXX XXXX ) Credit giant Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. 

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers XXXX  have been wrongfully denied credit, the company said in a statement. 
XXXX XXXX  XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of Equifax 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While Equifax did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said Equifax told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX XXXX  be have been incorrect. 
Equifax wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they XXXX  have if they were issued loans at a higher rate or denied a loan outright because of the snafu. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XXXX XXXX I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. Equifax needs to be held accountable even if that means paying individuals affected, especially myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There is an account on my credit report from CACH , LLC with an amount of {$10000.00}. 
I have no idea of what this is from or where the debt came from. I have disputed this multiple time with CACH , LLC. I have been told every time that it is " verified '' but I have never received one document of any proof. This must be a case of identity theft. 
CACH , LLC has filed Bankruptcy in XX/XX/2017 and Resurgent Capital is the alleged servicer of the account. 
This debt was caused by Identity Theft and Resurgent refuses to deal with my claim. 
This debt needs to be removed from my credit report and all collection efforts ceased by Resurgent going forward. 
I have attached a doc that show the reporting on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
The debt collector for XXXX XXXX bank ( Messerli & Kramer P.A . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because Messeli and Kramer P.A. are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation