BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX  XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX  XX/XX/2021 ; XXXX  XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: Colony Brands, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX Im a single mother raising my son, to my best ability trying to survive and maintain my family well fair.I have been struggling during these difficult times with COVID 19 pandemic, financially & emotionally. This debt /collection department has been hindering my credit enabling me to obtain better credit & promising future. I address this issues numerous times trying to clear a debt thats not even mine far as Im aware but cant afford for this to remain on my credit or allow this to affect me any longer than it already has which the negative report they added drop my score 78 points for continuously reporting debt not proven/validated to be my debt, Dept refuse to offer me a reasonable settlement base on my un - employment status demanding me to pay 85 % of Dept to be paid, this company is taking advantage of this situation not complying with government recommendations helping customers during this pandemic. I reached out to the company twice to prevent them from reporting on my credit for Dept that has yet been proven to be my debt please help me solve my concerns /issue with this un professional un helpful typically the worst customer service in the world Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX {$3200.00} XXXX OF XXXX XXXX {$2300.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$460.00} XXXX XXXXK XXXX {$1100.00} XXXXL XXXXXXXX XXXXK XXXX XXXX A XXXX {$3700.00} XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX {$750.00} XXXX XXXX A XXXX {$3100.00} XXXX XXXX {$1700.00} XXXXL XXXX XXXX {$920.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type XXXX XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} 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 2022-03-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Discovered some fraudulent activities on my business account at Truist Bank which emptied my account including several overdraft fees. Went to the local branch after attempting to reach Truist by phone but was advised by rep that the fraud claim could only be done over the phone. I left the bank and I have sat in my car for XXXX hrs on the phone on hold now as I am writing this waiting for an answer. This is unacceptable while my account continues to go in overdraft. Why couldnt the local branch handle 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 2019-04-23
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The following complaint is about a requested loan for home improvements and how I was not allowed to close on the loan due to some required repairs. 

I have been a customer of Ditech for 11 years as they were my mortgage lender. My home was to be paid off this month and since my financial relationship with Ditech was in good standing, I decided to extend the relationship by requesting and applying for {$70000.00} for a home improvement loan on XX/XX/2019 with XXXX XXXX. The processing was going smoothly. A loan officer XXXX XXXX gave me the good news that my loan was conditionally approved on XX/XX/2019. An appraisal was scheduled for XX/XX/2019. The appraisal was completed by XXXX XXXX. After the appraisal was completed XXXX and I discussed the appraisal which noted several repairs such as, peeling and wood damage around the windows, the exterior doors, main bathroom ceiling, living room ceiling, kitchen ceiling, overhang over the front door and the area immediately to the left and the crawl space. XXXX stated that the repairs are required to be completed before Ditech could close on the loan. Prior to the appraisal I was under the impression that the appraisal was just to appraise the value of my home. There was absolutely no mention that the loan was contingent on the required repairs noted by XXXX XXXX. I replied that I was confused because I applied for a loan where the money I was borrowing would be used for home improvements like the repairs noted in the appraisal. She asked me to have a talk with XXXX XXXX the originator of the loan. On a phone call, XXXX advised me to borrow the money for the necessary repairs from someone or somewhere else in order to close on the loan. In his final email XXXX alerted me that they could not close on the loan until the repairs were made per the appraiser. 

My mortgage will be paid off by XXXX XXXX. I have since heard from XXXX about moving forward with the required repairs and the loan process. I told her that I was withdrawing my loan application and would look for another lender for my Cash Out Refinance loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX  XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXX XXXX  ( XXXX XXXX ) Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : 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 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 2021-12-12
Company: Constantino Law Office, P.C.
State: UT
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:
I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a XXXX who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.

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 2019-08-06
Company: Mr. Cooper Group 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 is missing that should be on the report

Complaint:
I asked that my mortgage be reported to proper credit agency. If I am making my mortgage payments on and before time, I deserve to have them reported. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been disputing XXXX and the Department of education. Listed on my consumer profile. The Accounts are all reportintg the same account numbers. 

There are multiple accounts with the department of education and Navient showing the same account number and reflecting different information. 

some accounts are saying paid and closed with late payments. I was not late on any payments. 

I want would like these accounts removed because it is harming me. And not accuractly showing my credit worthiness. I would like to buy a house in my future. 

I have tried contacting and disputing these accounts and they ignore me. I have tried calling and and both compaines point the finger at each other. Lately i just have been ignored. 

XXXX shows 4 accounts with the account number : XXXX showing two accounts for the same date of XX/XX/XXXX paid & closed with same orignal balance of XXXX, the second & third account for navient states they were opend on XX/XX/XXXX paid and closed with a orignal blance of XXXX, and the second one stating a orignal balance of XXXX. 

In addition i have the the Department of education showing the same account number as XXXX : XXXX with XXXX accounts saying they were opened on XX/XX/XXXX paid and closed with orignal balance of XXXX and the second one showing a balance of XXXX claiming they recieved late payments which is false. 

Then there is a third account with the Departmet of education showing account number : XXXX saying it was opened XX/XX/XXXX and has a balance of XXXX. In good standing and no late payments. 

These compaines have violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) They never sent me any proof of debt validated or contractual agreemnet between there company and I. I aslo requested for names and addresses of every person who they spoke with about these accounts. I never recieved any information.

In addition they violated the 15 U.S.C. 1681b - Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report Im tired of being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2021 Receivables Management Corp., flagged my credit files with inaccurate collection information. 
Receivables Management Corporation, are debt collectors attempting to collect a medical debt on behalf of XXXX XXXX XXXX. I have not received any services from Receivables Management Corporation, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to Receivables Management Corporation, I have not provided any releases of my medical information to Receivables Management Corporation, and I have no idea how Receivables Management Corporation received my private medical information. Receivables Management Corporation, have violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. I did not receive any documentation from Receivables Management Corporation to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
As per the Better Business Bureau : Receivables Management Corporation continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Nissan Motor Acceptance is in violation of 15 USC 1692c ( c ) 2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 Experian 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the XXXX XXXX XXXX card with Chase because on the XXXX website they were promoting a " Get a XXXX XXXX Dollar Statement Credit after your first purchase.Opens Offer Details Overlay * Plus earn XXXX points after you spend {$500.00} on purchases in the first 3 months ''. After applying for the card, being approved, and immediately making my first purchase of XXXX flights, I received my billing statement. Upon reviewing my billing statement I saw that the {$200.00} credit had not been applied. I called the company and they are now saying that the promotion I have is indeed another one, but I told them that that is impossible since the only marketing I ever saw and clicked on was for the promotion stated above. They are now going to send me a letter in XXXX business days explaining their reasoning. I find it extremely unfair to have to pay a {$69.00} annual fee for the card, and they not hold up their end of the bargain. If anything I should've just bought the flights without applying for the card!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: AR
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:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my rights to privacy and confidentiality under 15 USC 1681, 15 U.S.C section 602 A, 15 U.S.C 1681 604 section 2, 15 U.S.C 1681c and 15 U.S.C 1681S-2 1. XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX 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 2021-06-23
Company: EQUIFAX, INC.
State: CA
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:
Fraudulent accounts as a result of identity theft pursuant to 15 USC 1601, 15 USC 1681 and 15 USC 1692 are as follows : 1 ) XXXX XXXX  2 ) XXXX  XXXX  3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX. 

Credit Reporting Agencies ( EQUIFAX, XXXX  and XXXX  ) continue to report on one or more of these fraudulent accounts despite receiving an Affidavit and Debt Validation letters via the US postal system with written instructions of how to write my consumer report within the confines of legality and to prevent further damage. These fraudulent accounts are causing me injury, economic strife and clearly violates many, many federal laws.

Company response to consumer: Closed with explanation