BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: EQUIFAX, INC.
State: IA
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 writing to delete the following fraudulent information in my file.The items I need deleted are listed in a word doc attached to this report. 
I am a victim of identity theft and did not apply nor create the illegitimate information included in my credit report.I ask that the items be removed at once. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NY
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:
Hello my name is XXXX XXXX and I decided to file a complaint against Equifax because they have not deleted the fraudulent information that I have requested them to remove. 

They have sent me a dispute result wherein is stated that the information disputed was successfully deleted but it is not reflecting on my report. There is also a variation of a social security number on my credit report which I have no idea where it is from and I'd like them to correct it before I get more problems regarding my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To Whom It May Concern, Over the past few years I have filed numerous complaints with the CFPB, all to no avail. I will continue to file complaints with the CFPB against Select Portfolio Servicing , Inc, hereinafter referred to as SPS, until they stop their wrongful and illegal collection and enforcement activities. Once again, I am being forced to file yet another complaint in additional to another lawsuit. SPS is continually attempting to collect and enforce a debt that no longer exists. Even though the debt no longer exists and hasn't since XX/XX/XXXX, SPS is attempting to foreclose on my property on XX/XX/XXXX. The logic of trying to foreclose on a Deed of Trust that has been eliminated is beyond my comprehension and is outrageous. Despite being aware of this situation, SPS continues with their wrongful, deceptive, and illegal actions. SPS is a " debt collector '' pursuant to the Fair Debt Collection Practices Act, hereinafter referred to as FDCPA, and the California Rosenthal Fair Debt Collection Practices Act, hereinafter referred to as RFDCPA. SPS purportedly acquired the mortgage servicing of the debt obligation effective XX/XX/XXXX. At the time of this purported transfer, the debt obligation was contractually due for the XX/XX/XXXX payment. By the plain language of the acts, there is no dispute SPS is a " debt collector ''. There is no dispute that the mortgage debt is a consumer transaction debt that is covered under the FDCPA. Despite telling SPS to stop contacting me in a letter dated XX/XX/XXXX, SPS continues to send me letters and refuse to acknowledge that they are " debt collectors '' without the legal right to attempt to collect. SPS is engaging in acts that are causing substantial harm to me in violation of the Unfair Competition Laws. Immediate action must be taken to stop them from engaging in such unfair competition. Their conduct is unlawful, unfair and deceptive. They are blatantly disregarding the FDCPA and the RFDCPA. SPS is not exempt from abiding by those laws and must be held accountable for their misconduct.

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 2023-01-12
Company: EQUIFAX, INC.
State: SC
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX 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 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 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to me.

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 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In accordance with the Fair Credit Reporting Act Convergent Account # XXXX, has violated my rights. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

25 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2019-08-05
Company: Possible Financial Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got this loan in XXXX this thinking it was a XXXX XXXX but it wasnt. I got this loan for {$90.00} and they broke it down in 4 payments to pay it back. So I made 1 payment in XXXX and 1 payment in beginning of XXXX, so I had one payment due at the end of XXXX which I had a problem with my bank at that time in the possible financial app there you can extend your payment to a later date which I did. By the middle of XXXX I contacted them by email to let them know what was my balance so I can send them a money order of my balance. So I sent them a money order of total balance due on XX/XX/XXXX. The following week I emailed them they told me they received my payment and that it was paid complete. They told me my account status was paid complete on time. Now on my credit report it shows 60 days late with a balance I try to contact them but no response. I have attached all emails that I had contact with then. 
Please fix this Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
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: Account information incorrect

Complaint:
In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my 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 2023-10-24
Company: VYSTAR CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Once again Vystar and XXXX have furnished a negative account on my consumer report after receiving my debt validation, and my demand of removal. The letter stated that if vystar repost on my consumer report without sending me debt validation they were to IMMEDIATELY pay me {$75000.00}. My rights have been violated 15 USC 1692 and 15 USC 1611. I will have the CFPB help move matters forward in collecting damages from both parties. Also if account is charged off, then said account is paid which means it's canceled. 18 USC 8 Please see attachment. That letter was certified sent to VYSTAR CU the account number was from XXXX. XXXX account number is 510750

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 2020-04-05
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX IXXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 2020-04-05
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: Account information incorrect

Complaint:
In XXXX and XX/XX/2020 XXXX put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They informed me that they would fix the issue but failed to do so. This has also popped up on 2 other bureaus and has greatly lowered my 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 2019-01-25
Company: BB&T CORPORATION
State: MA
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:
XXXX  has been non-compliant with removing the unverified account BB & T Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that BB & T was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am resending my letters today to all the credit bureaus, to advise them of the inaccuracies that they kept on furnishing on my credit report. Once again, I am requesting these credit bureaus to kindly erase and pull-these invalid accounts out of my files immediately, as these are all incomplete and unverifiable to me. I have already stated everything on my letters.

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 2023-04-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I searched on XXXX for XXXXXXXX XXXX  and was pointed to a website I legitimately believed was XXXX. The website was XXXX whereas the authentic website is XXXX I proceeded to buy a gun from the fraudulent website and sent my money via XXXX as the spam seller requested, this was a total of {$450.00} on XX/XX/XXXX. I received an email stating the transaction was approved and on XX/XX/XXXX I attempted to reach back out to the company in an attempt to give them the contact info of my chosen XXXX dealer, the emails started to bounce back ( there are also photos of this ). This was when I realized that this website was a faked, copycat website. I attempted to report it to my bank immediately when I realized a company I was dealing with was committing fraud and pretending to be a firearms dealer that has been in business for over 80 years and is a very well-known company all over the world. As my bank, I expected them to help protect me. I was told to wait until the money posted and then got a letter stating that because I initiated the transaction, they weren't refunding me my money. I reported the transaction immediately, expecting my bank to help me and they did nothing. This bank did not protect my money and could care less even after proving all the reports I filed about the fraudulent claim. It's sad that after almost a decade of business with me and my family, I don't seem to matter. I did report the fraud activity to the Federal Trade Commission, the Georgia State Commissioner, and the XXXX XXXX XXXX 

After reporting it to the XXXX Truist said they would look into it and I received a letter stating they couldn't get the money back so I wouldn't be getting it back either. Seriously? The company literally stole my money, how is that even an attempt at a resolution? 

All of the information provided can be proven with screenshots and images. I also have the name of the original Truist rep we spoke to and the complaint number.

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 2021-03-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
starting in XX/XX/XXXX i received a call from my mortgage broker offering a refi. I explained to them I was not interested in paying to refi a loan that was less than 1 year old. I was told there were no closing costs outside 1 month 's payment. after receiving loan form they were trying to roll costs into my loan. When this was brought to their attention is was denied. I had to finally ask what my principle was vs the loan amount to make a vivid point they were caught. After accepting I caught this problem it was immediately changed. Fast-forward to day, there is still no active refinance completed and I have been told they had to rewrite the loan. During this process I received an extreme amount of e-mails from Mr. Cooper. At one point when I decided to monitor them I received 18 e-mails from XXXX to XXXX the following day. I was also argued with when pointing this out and even demanded mismanagement attention. No calls have come nor e-mails trying to defuse this harassment of e-mails. Now my mortgage has went from XXXX monthly to XXXX monthly with the excuse my escrow account was miscalculated. When I tried to call customer service about this they had no clue what was going on nor the knowledge to properly discuss. I tried to get the rep to but the simple math to paper and she refused eventually leaving me on a constant hold when I demanded management. In summary this lender has falsely advertised a refi they could not come through on, they have harassed me via spam e-mails way into the night and have cause my mortgage to go up XXXX with no proper explanation why. The third issue could phase most Americans out of their homes, an increase of XXXX a month with no notice. There is already class action against this lender from what i am now reading and i feel that I have fallen into their predatory habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
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:
There are three loans from the XXXX XXXX XXXX XXXX on my credit report ( s ) {$7000.00}, {$3700.00}, and {$1000.00}. The loans show incollections/charge-off. But the classes with the XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ) were dropped within the first four weeks of the semester for the school year of the loans in question. The money from the loans was all paid to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Campus ). As the classed were dropped the school should have returned the money to the government. These loans were paid to a diploma mill and in fact the school closed prior to the school year of the loans in question endning.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions 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:
~In XX/XX/XXXX, I submitted a request to have deletion of unverified information removed from my account ~XXXX XXXX, the information was investigated and deleted from my credit report ~On XX/XX/XXXX, I noticed that the deleted information was reinserted on my credit report and I had not received any correspondence from Experian or the reporting creditor, so I sent a complaint to Experian regarding the reinsertion AND I filed a complaint with the CFPB. 
XXXX XX/XX/XXXX, I noticed that I had a recent late payment reporting on my report, so I looked into this only to find out that Experian had now shown this error is reporting as a recent account opened as of XXXX XXXX ~As I looked into past credit reports, the erroneous and previously deleted account showed an open date of XX/XX/XXXX It is plainly obvious to me that my credit is being held hostage and at a time like this, it is utterly disgusting.I have attached proof of all correspondence for you to review. I request assistance with prompt deletion of this information on my report which is harming my score and the ability to obtain credit to help myself and my family. 
Thank you for your time and assistance with this matter..

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 2022-09-15
Company: Experian Information Solutions Inc.
State: TN
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:
The companies refuse to take off incorrect information off my reports. They are violating my consumer rights and laws. 15 USC 1681 a ( e )

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 2021-08-20
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have literally left messages and texts repeatedly. They called my husband, my daughter who lives in another state, my brother in law 's police department issued cell phone number ( I don't even know this number ). They are randomly calling people with the same last name and leaving messages. I have asked them to cease and desist and they continue.

Company response to consumer: Closed with non-monetary relief