BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: MS
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 reached out to the company 's fraud department several times to report inaccurate information on my consumer report. According to 15USC CODE 1681C2 this is all I need to do when informing the credit reporting agencies of fraudulent accounts. Equifax, XXXX, and XXXX has VIOLATED my consumer rights by continuing to report this information. They have also broken the law, Under 15 U.S. Code 1681e ( b ) ( b ) the credit reporting agencies are supposed to report maximum accuracy on consumer reports. they are not following ensuring maximum accuracy at all. I am demanding deletion of all inaccurate accounts listed in my report as soon as the credit reporting agencies receive this notice. According to the Fact act these items shall be blocked within 4 days of receiving this notice, I, the consumer have notified Equifax, XXXX, and XXXX multiple times. I expect the items included in my identity theft report to be blocked asap or I will seek monetary damages for violating my rights as a consumer.. THIS IS A IDENITY THEFT PERSUANT TO FCRA 15 USC 1681 ( 3 ). I understand under 15 USC 1681 c 1 you have the authority to decline or rescind the information I am presenting to you was not blocked in error. The information I request is an affidavit in fact so there is no material misrepresentation of the fact this has been completed if you believe I have obtained goods and services I need a senior executive member of this company to put it on an affidavit signed under penalty and perjury notarized. I have included a copy of my id to prove my identity and act as proof of residency. I have also included a copy of my social security card for proof of my identity as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of XXXX data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.

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 2020-04-15
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA
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:
I filed a dispute regarding an account listed on my credit report by Weltman Weinberg Reis. I stated that there was no Date of First Delinquency listed as required by federal law. I also stated that the estimated month and year this item will be removed : XX/XX/XXXX was incorrect. XXXX  claimed they verified the accuracy of the account. This is impossible as there is still no Date of First Delinquency listed, and the date of removal is incorrect. I am including evidence that shows the date of last payment on these accounts was XX/XX/XXXX. Therefore, the removal date should be 7 years later, XX/XX/XXXX. 

Included are two letters from the original creditor. The original creditor was XXXX  XXXX, XXXX and the loans were serviced by XXXX, both names appear on these letters. The letters show that both loans last payment was on XX/XX/XXXX. 

Additionally, when I wrote to the collection agency that currently appears to hold the debt ( Weltman Weinberg Reis ) and asked for verification of the debt. They sent documents Im also including. There is a printout titled Loan History Details that shows no payments made after XXXX. Then there is a document titled Post Default Payment Summary. This document shows payments of XXXX on XX/XX/XXXX for one account and on XX/XX/XXXX on the other account. This might be the dates they went to collection, but as shown no payments were made on those dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: EQUIFAX, INC.
State: MI
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:
Hello, I have a collection notated on my credit report from XXXX XXXX XXXX   XXXX on behalf of XXXX Hospital. This is an inaccurate collection due to XXXX Hospitals  payment posting to an incorrect account. This collection was immediately disputed with XXXX XXXX and XXXX Hospital was contacted and the collection was resolved. The collection is updated as paid but I believe it should be deleted. Both XXXX  and Equifax have failed to investigate my dispute which was submitted through XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Synovus Bank
State: WV
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Contacted First Progress Bank XX/XX/XXXX and spoke to XXXX different individuals who stated they have closed the account and will have in removed within 90 days. Contacted them again in XX/XX/XXXX and they refused to discuss the account because it is closed and marked as fraud. But they still have not removed this from the credit reports from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Penn Credit Corporation
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:
In accordance with the Fair Credit Report Act XXXX, Account # : - XXXX, PENN CREDIT CORPORATION 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 an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Hello, I am writing in regard to the failure of receiving my pricematch benefit from Citi 's  Price Rewind program. 

I contacted Citi 's customer service and provided my case number and spoke with a claims adjuster named XXXX on XX/XX/18 at XXXX XXXX est. She told me my timestamped screenshot of the advertisement was not valid and could not substantiated at the store. This was a clear tactic Citi uses because I was familiar with their usual runarounds in trying to deny my previous claims with correct and valid documentation. 

To provide greater background, I have had the same issue with the Citi Price Rewind program last year to the month coincidentally and they provided the same baseless reasons in order to deny my claim by providing false details and interpreting their clear-cut terms and conditions in a fickle manner. The claims were eventually approved through CFPB as did my all my other claims from other times using this type of advertisement. 

XXXX promised me she would call me back that night and does not but eventually does on the following day at XXXX est on XX/XX/18 at a time I explicitly told her I would be busy at work. 

In the call she reiterates that she verified with the store and provides me with a current XX/XX/18 current item pricing to which I doubt because I verified with the store and the information I received conflicts with what I received from XXXX. Additionally, the information she provides is irrelevant because I am not submitting an advertisement for XX/XX/18 but in fact it was dated on XX/XX/18 and this information was valid and in stock at the time. Eventually later on XX/XX/18 a supervisor named XXXX informs me that they are standing by their original claim denial decision. 

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 2022-11-05
Company: EQUIFAX, INC.
State: NV
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. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1581. 

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 XXXXXXXX XXXX XXXX  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After reviewing my most recent annual credit report, I discovered that my credit profile was in ruins and was reporting negatively as if I am a XXXX Consumer. I have many inquires against my social security number that I did NOT Authorized, and I have NO knowledge of said creditor as to how they gain my personal information to submit an inquiry onto my credit profile which I believe is an act of fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of XXXX data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.

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 2022-11-05
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was originally told on XX/XX/2022 that it would take 4-6 weeks for a refund for payments made during COVID under the CARES act. I am now being told it will take 10-14 weeks. This is not consistent with guidance provided earlier. Please assit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX  , XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX violated my 609 rights by reporting information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX/ XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.

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 2015-07-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had to hire a lawyer because from day 1 when Greentree took over my loan from XXXX, I have yet to get a straight answer on what was owed, how much was owed, when it was due, etc. I need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: HW Holding, Inc
State: TX
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 requested a validation of debt with the collection agency Hunter Warfield when I received a bill for {$510.00}. I advised them that I did not owe XXXX and that I would like all charges verified and explained. I received a letter from credit agency dated XXXX/XXXX/XXXX stating that they received my request for verification of debt and needed more time. THe letter clearly states they will suspend collection activity and credit reporting until they can properly validate the debt. Months passed with no contact or validation. On XXXX XXXX I received a call from the agency attempting to collect the debt. This agent had no record of my request for validation. I advised the collector I received a letter from them acknowleding my request for verification of debt, he asked me if i had a copy of the letter they sent me. I told him yes, but to look in his records if he needed to verify it. I advised the collector that by the Fair Credit Reporting Act they had 30 days to respond and did not, and that per my letter he was not supposed to be attempting to collect on the debt. This agent proceeded to threaten me that he will ruin my credit if i do n't agree to pay. I advised him to look at their records and it will clearly show I requested a Verification of Debt. He repeatedly just asked so you are refusing to pay the debt over and over. I continued to advise him I am not refusing to pay and it was an invalid debt that was disputed with their agency months prior to his call. He continued to disregard what i was telling him about violating the FDCPA and that he could not act like this was the first collection call regarding the bill. I told him by law their time passed and even on the call he could not provide the information I requested 4 months prior. I advised him to research his records and to stop calling me because he is in violation of several laws. The agent hung up on me. A few weeks later I noticed the collection account on my credit report. I sent the agency a certified letter, which they signed for on XXXX/XXXX/XXXX. I advised them they did not validate the debt and that is was not a valid debt to remove from my credit report immediately. I advised them on the treatment from their agent and all the laws they have violated. I informed them that the bill went from {$510.00} to {$2200.00} and that was falsifying information to my credit report. I received a 2nd bill from them dated the same day XXXX/XXXX/XXXX but with the new amount {$2200.00} that again was not itemized of the bogus charges. As of today, almost 6 months later, they still have not responded or removed the account from my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: EQUIFAX, INC.
State: FL
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:
Dear Legal Department, This credit dispute is being submitted as anew evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these  credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a re-fi, I received the new mortgage company information and set up a bi-weekly payment on my bank 's website. I always pay 1/2 payment and am always 1/2 month ahead of schedule. I get a phone call telling me I am late and they need a payment. I look at their payment history on my loan and they are all there- Including the first half of XX/XX/XXXX! they will not get back to me, they are still showing XX/XX/XXXX is unpaid and now 20 days late-

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation