BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2022-09-26
Company: Vanz, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I sent notice to XXXX to inform that I have become a victim of identity and the fraudulent account from XXXX XXXX XXXX XXXX being reported must be removed. On or about XX/XX/XXXX I received notice from XXXX that the fraudulent account from XXXX XXXX XXXX XXXX has been removed from my XXXX consumer report. On XX/XX/XXXX I received notice from XXXX XXXX XXXX XXXX  confirming the fraudulent account has been removed, blocked and wouldn't be subject to further collection actions. On or XX/XX/XXXX I received a collections notice from VANZ , LLC and their intent to pursue further collection actions for the fraudulent account from XXXXXXXX XXXX XXXX XXXX that has already been verified as the result of identity theft. I sent a Cease and Desist notice to VANZ , LLC on XX/XX/XXXX to once again inform them that I am a victim of identity theft and do not owe a debt for the fraudulent account. While the fraudulent account appeared on my consumer report I suffered injuries; such as denial of credit, adverse actions, harassment, discrimination, discouragement and Defamation of Character. Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, VANZ , LLC is in violation by not responding to my notice of Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed with this company on various occasions starting back since XXXX of XXXX. The company has received my disputes in XXXX, XXXX, XXXX, and in XXXX. Each response comes back with it being verified by a third party such as XXXX XXXX or the courts. When i send in supporting documents from both third parties stating there is no record of said bankruptcy they still tell me it's verified. It is now yeXXXX and i've yet to get a satisfactory/ accurate reporting, which has been hurting my credit status for years upon years. The last time i disputed in XXXX i did not get a response and the FCRA gives the company 30 days to respond. i have not gotten a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Credit Karma, LLC
State: MD
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: Didn't receive services that were advertised

Complaint:
Credit Karma website has been down for about 2 weeks now, contacted company, did no good.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX has appeared on both my Transunion and XXXX credit report as an open account within the last few days. This same company appeared on my XXXX credit report in XXXX and it was disputed then as a fraudulent account. Now, the same company has shown up on my other XXXX credit reports. This account is not mine. When attempting to call the company directly, no one answers the phone nor does anyone call back when you leave a message. When trying to talk to someone through the website, there is no option to support help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
following accounts are incorrect, and the affecting me XXXX XXXX XXXX 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 2022-06-08
Company: EQUIFAX, INC.
State: MI
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:
IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A HOME HEALTH CARE PROGRAM  IN XXXX XXXX DUE TO AN XXXX SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO 2 XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXX RECEIVABLE XXXX XXXX XXXX XXXX XXXX  {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE HOME HEALTH CARE ADDRESS IN XXXX XXXX, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am very angry and thoroughly disgusted with SPS!!! My current home mortgage is with SPS and recently a change was made to my account WITHOUT my request, consent or my knowledge. On XX/XX/2022, I received a letter from SPS, dated XX/XX/2022, congratulating my husband and I on a successful deferment for our XXXX payment. Issue # 1, myself, nor my husband EVER requested any type of assistance for COVID or anything else for that matter EVER since SPS has been servicing our loan. EVER. Once I received the letter on XX/XX/2022, I called in to SPS immediately, hoping that maybe it was some type of a clerical error. Unfortunately for us, it was not. I spoke to 3 different representatives, who ALL confirmed that they did not have any record of either myself or my husband calling in for any type of assistance and they were unsure as to why the request for the deferment was ever even approved if we didn't make the request. They admitted that they made a mistake even though no one could tell me how it happened. So we need to know why SPS allowed something like this to take place without the request or consent of either of us, the only 2 people listed on the mortgage!!!! The next issue that we have is that we are refinancing our home. It is scheduled to fund today ( XX/XX/2022 ), but when the mortgage broker tried to verify that our XXXX mortgage payment was made in XXXX, they are not able to confirm that because SPS is applying the payment that we made in XXXX for XXXX to XXXX 's payment. This poses a problem, because now it appears that there was no payment made for XXXX. Due to SPS ' error we are in jeopardy of losing our refinance!!!!!!!!!!!! I have requested to have this escalated with my phone call yesterday and it has not been rectified yet! 
There is no way that a deferment should have been approved on my account when neither of the account holders EVER requested or consented to this! That would appear to be some type of fraud to me. Since this was an error on the part of SPS, I would expect that this would be resolved expeditiously, but that doesn't seem to be the case!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: OR
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:
FederalTrade Commission has been contacted with reports. 
reference number is : XXXX I am writing to dispute a fraudulent account in the amount of {$140.00} XXXX. I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

I am writing to dispute a fraudulent account in the amount of {$200.00}, XXXXXXXX XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). 


I am writing to dispute a fraudulent account in the amount of {$500.00} XXXX XXXX I am a victim of identity theft, and I did not originate or authorize this account. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).

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 2022-09-26
Company: EQUIFAX, INC.
State: MD
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: Problem with personal statement of dispute

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

( XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 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 make 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 to any 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 2022-12-06
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
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:
My name is XXXX XXXX and I have been a member with PenFed for 2 years. I recently had a mix-up with them regarding a late payment that I contacted them to resolve. In XXXX of 2022 I got a notification from a credit monitoring service that I was on the verge of having a late payment with my card ending in XXXX. This was highly unlikely as all of my credit cards are on automatic payments. I quickly reached out to the company and spoke to a representative that told me that I didn't have auto payment on that card and that it had reverted to a new account that had been opened. I was confused because I had never opened a second credit card and never applied for one. The representative helped me close the account and reinstitute my auto pay assuring me that the late was just a warning and would not get a late payment since I had taken care of the payment already. I asked them multiple times to ensure that I was in fact not going to have a late show up on my credit report and A few days later I did in fact get a late payment reported on my credit report so I reached back out to PenFed for help and they started an inquiry and according to their findings didn't see anything wrong. I believe that not only did they open an account without my knowledge they also lied and told me that this would be resolved because of a mix up in their system. 

But in accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name # 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 make 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2022-09-26
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Goodevening! I'm following the instructions provided on how to go about someone using my information for their own benefit without my approval. There is an account by the name of " CKS Prime Investments '' on my credit report is not me. The overdue amout owed is {$1100.00}. Once I noticed it was on my report I immediately contacted the creditors bureau for more information on how to get this off of my report. They also have an address linked to the account which shows up as XXXX XXXX XXXX XXXX, GA XXXX. If you need anymore information from me please contact me. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I received a notice to collect a debt from I.C. System Inc suggesting that I owed them a debt through their client, XXXX. The notice did not have a date to signify when the notice was written or sent and requested that I respond by XX/XX/2022 or the debt for the amount of {$1100.00} would be assumed valid. On XX/XX/2022 I received a " Settlement Offer '' dated XX/XX/2022 from I.C. System Inc in an attempt to settle the debt for 70 % of the balance due, which was bumped up to {$1200.00} with no explanation. They still had not verified the debt at this time. 

On XX/XX/2022, I sent I.C. System a notarized Request For Debt Validation letter outlining my rights as a consumer to have the debt properly validated pursuant to FCRA [ 15 USC 1692g ] and to help them out I listed all of the items they are required by law to send for debt validation. I sent this notice via certified mail ( tracking no. : XXXX XXXX XXXX XXXX XXXX ) with a green return receipt. My letter was verified as delivered through tracking on XX/XX/2022 to the XXXX XXXX XXXX I.C. System provided in their notices ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. The return receipt never made it back to me. However they did receive my letter, as they responded to it within the given time frame. 

On XX/XX/2022 I received their only response to my Request For Debt Validation to an address that was not listed or authorized by me. The address they sent the response to is a relatives home, not my own. The response that was attached was a phone bill from XXXX for {$1200.00}. A bill is not proper validation of a debt according to XXXX XXXX XXXX and I.C. Systems has violated my rights pursuant to 12 CFR 1006.34 ( c ). They have failed to provide all of the required documentation as per my request under the new rule Regulation F and Validation of debt XXXX XXXX ( c ). 

During the time of the dispute I.C. System Inc took no action to delete the debt from my consumer report nor at the very least did they take action to update my consumer report to reflect that the account was in dispute.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06
Company: SANTANDER HOLDINGS USA, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

SANTANDER CONSUMER USA : # 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 make 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 to any 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 2022-07-04
Company: The Outsource Group, Inc
State: MO
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 was contacted by mail about a debt on XXXX XXXX. I responded to the message via mail on XXXX XXXX. In that message I authorized the company to communicate with me via mail and no other means as is my right per FTC regulations. I received a letter in the mail dated XXXX XXXX. This was a response to my previous communication in which Medicredit recognized that they had received and understood the communication. I received a phone call from XXXX XXXX XXXX XXXX ( which is the phone number of XXXX as listed on their communications ) on XXXX XXXX  regarding the collection of the debt. This phone call was made after the company had received my explicit request to cease communication other than that through mail. I believe this to be a violation of the The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have taken equifax to court on a civil claim i have written them countless letters i was involved in the data breach where my information was taken i was also involved in the data breach with XXXX  XXXX i need a resolution the have my credit fixed

Company response to consumer: Closed with explanation