BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: SC
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 noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXXXXXX for {$68.00}. Look to be from a eye place which I know I have never used. If you could please remove this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My name is XXXX XXXX XXXX and my husband is XXXX XXXX XXXX. I viewed my husband and my credit report and noticed that our mortgage was reported being paid late for XXXX 2014. I spoke with our mortgage company and I verified online that our payments posted on XXXX/XXXX/2014. XXXX did not have a record of our payment being late for 2014. I have documents to support this information and have attached them to this dispute. I also noticed that my date of birth was incorrect on the report. It is listing my husbands date of birth as mine. I would like to have this information reviewed and corrected on our reports. Please contact me at XXXX or via email at XXXXXXXXXXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX employed XXXX XXXX XXXX to collect a debt from XX/XX/XXXX. We received a collection letter in XXXX of that year and replied that the debt was not ours. I researched the info and described why the debt was not ours and to requested them to cease all collection efforts on us. A few months later XXXX hired XXXX  XXXX to collect this same bogus debt. Again a cease and desist letter was sent to XXXX with an explanation. A letter was also sent to XXXX asking them to cease and desist in this harassment. Now in XX/XX/XXXX we received another collection letter. XXXX has apparently hired a third firm, AFNI, to collect this same bogus debt. A third letter is being sent to AFNI. 

This is the second complaint filed against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I asked for a replacement card to be sent and during the time of processing my ex girlfriend had my Mail forwarded to her home address which I was unaware of because I was arrested on XX/XX/2022 in the meantime my card arrived and had my tax refund and social security income on it. My ex girlfriend spent all XXXX that was put on the card. I asked XXXX XXXX  to to dispute all transactions because I was incarcerated and I did not make these fraudulent charges. XXXX XXXX  has refused saying Im responsible.

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 2022-08-26
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 information incorrect

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. My credit report has inconsistent information from all 3 bureaus. I know whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as well as conducting a proper investigation. I have highlighted the information that is wrong for XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX and XXXX XXXX XXXX XXXX both ran a Hard Inquiry on my credit reports without our authorization. 
We never heard of these companies before. Got their name from our credit reports inquiries section. The Inquiry needs to be removed. This is fraud. 
See attachment which shows the hard inquiries on our Equifax Credit Report both done on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This is what I have written to Equifax and the accounts I am disputing are in 3 separate letters and they have failed to do the following : # 1 properly investigate # 2 provide the documentation made available to me under sections 1681 and 609 as well as # 3 correct my credit report *Please see the documents that I have uploaded that contain my disputes. 
In part, this is what I wrote to Equifax : I have specifically made complaints against you to the Consumer Financial Protection Bureau in regards to your failure to investigate the accounts that I have noted as inaccurate as well your negligence in provided the required documentation I request and made available to me under section 1681 of the FCRA as well as section 609. 
Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Pursuant to section 1681 and comments by Congress, I have notified you that these accounts are incorrect and I require that you send me all the documentation that upholds the listing that you have on my credit file. Your job is not to " interpret '' the FCRA - Congress states that this is in clear language that you can not simple repeat what the creditors say and that you must go beyond what you receive from the creditors to determine if what you received is accurate or not. You have not done so and I can see that most accounts were not even investigated :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Social Finance, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am currently in XXXX school and have had a lot of trouble dealing with my servicing company ( Sofi/XXXX ) regarding the details of my deferment. I called them multiple times over the summer to go through the approval process and no one at any point in time told me that I would have to reapply every three months. My account was just auto-debited the full monthly payment. I 'm currently on the phone with them now disputing this charge. They are an awful company that has seemingly purposefully withheld information about how my in school deferment would work. I was also not told that I would have to make interest payments while in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal 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. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.

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 2017-02-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm not sure if this is worthy of your time, however it does seem criminal to me. 
I have been paying my mortgage on a house for over 20 years. I have n't minded that it has been sold many times during that time. It was brought to my attention that I had a late charge by my wifeon my last statement after a change of mortgage company 's. I called to ask about it since I have never been late on a payment. I was told that it was not a late charge but a escrow estimate charge that they had done when acquiring the mortgage. I ask why they passed this fee on to me and they said it was their policy and that 's just the way they do business. Here is my question. Why am I being charged from a company that 's profiting from a purchase they made, and how many others are being fleeced thinking they have a late fee. The company is Carrington Mortgage Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Paying Equifax XXXX/yr for their " Complete Premier Plan '' and the score provided using their " Equifax Credit Risk Model '' is providing me with incorrect Credit Score ''. I want a Class Action Lawsuit brought against all XXXX Credit Bureaus for using so many scoring models the Consumer really does not know their correct score. Also, they should be required to delete any collections, judgements that have been paid. What they are doing is continuing to punish consumers for 7 years AFTER a debt has been paid. There are many more issues that need to be handled by the CFBP probably requiring Congressional Regulation pertaining to unfair rules set by Banks, Lenders and all XXXX Credit Bureaus. 
Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSWORLD SYSTEMS INC
State: DE
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 FCRA Transworld SYS INC Account # ( XXXX ) has violated my rights as well as my HIPAA 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 : States A consumer reporting agency can not furnish a account without my written instructions or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$3800.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) XXXX XXXX no longer owns this account as it was sent to an attorney. This account needs to report a {$0.00} balance. Since the default Judgment was issued this account can no longer be reported to the credit bureaus and can only report to XXXX XXXX. This false reporting of a collection/charge-off is a violation of the Fair Credit Reporting Act and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: AP
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 submitted an investigation multiple times, my status hasnt updated for 2 months even though all of the other credit bureaus have updated my status for my XXXX credit card balance, now paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: SC
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 noticed I have one inaccurate account on my credit that doesnt belong to me. Company called XXXX XXXX XXXX for {$68.00}. Look to be from a XXXX XXXX which I know I have never used. If you could please remove this.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX. Date of Birth XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 
My Transunion report show my score is XXXX. It lists all creditors that I have file bankruptcy with. They are using this against. It is charged off. However, it does lists XXXX XXXX, XXXX MasterCard, XXXX XXXX. It does not list the 2 only other creditors I currently have : XXXX XXXX Visa Card and XXXX XXXX. 

Transunion File Number XXXX My Number is XXXX. 

Thank You

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 2015-10-08
Company: Trojan Professional Services, Inc.
State: CA
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:
This debt was related to dental services from my dentist, XXXX XXXX XXXX in XXXX XXXX/CA. Somehow she did not tell me about it and all of sudden I got a call from Trojan Services about it. 

I took a loan with XXXX to pay that debt as soon as I could and did it ; however it is still showing up in my report after a long time. I was only contacted once by Trojan and they told me that if I would settle that quick that would never happen but this is not the case. 

I want to really see what I can do to resolve this matter since this was paid properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Convergent Physical Address are charging me a money what I dont owe from XXXX XXXX, I called XXXX XXXX to tell them what they are charging me a money what I dont owe because I return the equipment to the XXXX and XXXX Store XXXX XXXX what they connect everything in the system with XXXX  to cancel everything with them because XXXX XXXX was the company what offered me a line for XXXX  with a XXXX sold by XXXX  but I dislike the phone and I returned the XXXX to XXXX and they told me what they cancel automatically on the system the line because I never used it, look my receipts proof what show what I received my refund from XXXX and they canceled the line with XXXX  because they was the company in charge to do it, I let them know it to XXXX XXXX it and XXXX XXXX is washing them hands telling what collection company is the company in charge to delete the account. And at this moment I dont know who was the irresponsible company : XXXX XXXX XXXX? Or the collection company? The true is : I never used the line because I returned the phone and line directly to the XXXX XXXX. 
They are charging {$150.00} and it is a crazy thing because like I am saying you I never used the account the line never used everything was returned to XXXX XXXX with line and everything.

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 2022-08-26
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXX Lied They Not Works For The Corp Office Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake Corp Office Stealing My Information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Citibank has been charging me {$15.00} monthly for over 1 year, for a XXXX service that I never requested, never used, never even know of its existence. I called XXXX, they said they are not charging me for anything, and that the issue is with my bank. I called Citibank and the rep said they can not refund me for the past year. I said then I need it to stop right away. She said the issue is resolved and that I will not get charge again. Well guess what, the following month I got charged {$39.00} and this XXXX {$40.00}. I'm now getting charge more than a double. I called Citibank again and request to talk to a supervisor. That was my worst experience ever!. He said he's not going to refund me, and the only thing he can do is to issue a new card and my current card will be block until the new one arrive. I now have les than {$20.00} in my account. If you illegally take {$80.00} from me and block my {$10.00} what are you doing to me. After banking with you for over 5 years!

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 2015-05-19
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am applying for the Florida hardest hit program. I provided all required document and affidavits explaining my situation. My case was complicated because I use my paycheck to provide money to my XXXX kids and my mom. But now, the underwriters request for me to provide a letter from XXXX XXXX stating who has access to my mother 's account as I appear as a pod in it or a signed lox stating that some transactions in her account are part of my income. 
I contacted XXXX XXXX, they stated that they do n't provide such letters due to liability issues and for me to provide an letter of explanation stating that income in her account is mine would be lying. I already provided XXXX notarized affidavits explaining everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Consumer Adjustment Company Incorporated
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021 I paid {$850.00} to a company called XXXX XXXX XXXX aka XXXX  XXXX  XXXX. They were supposed to produce a website for me and failed to do so. I requested a full refund in which I never received. I have called the company multiple times with no return call back. Terrible service and I feel scammed.

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