BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX  had my loan and I had applied for covid relief and was approved in XX/XX/XXXX. Once approved and XXXX sent the check to XXXX mortgage mid XX/XX/XXXX they had changed my loan to lender XXXX XXXX XXXX. Who sent me papers in XX/XX/XXXX. Once I contacted them and explained the situation they put a hold on my account as they were new lender and I advised XXXX had sent a check out to XXXX XXXX  in XXXX. They said contact XXXX about issue but they had a hold on account. I called XXXX and notified them of the new lender XXXX XXXX XXXX and they stated the check had been returned and to send them papers from new lender and they will get check rerouted. I sent this in XXXX also. Contact XXXX XXXX  and told them XXXX stated they would reroute the check. This went on and on for XXXX  months the back and forth until XX/XX/XXXX and the check was reprocessed and finally received from XXXX in amt of $ XXXX which paid mortgage up to XXXX of XXXX. Called XXXX XXXX and followed up and they stated as well payment received and up to date so the issue is how they reporting late to my credit which is against Federal Law when they just came into the picture and the account was on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.

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 2023-02-12
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount of debt of {$4200.00} is not accurate. The company, Midland Funding LLC has not provided me with any proof of ownership or Bill of Sale regarding this debt. As far as I am concerned, I do not owe this amount and deny their allegation. This has negatively impacted my excellent credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was trying to get pre-approved for a mortgage with the builder XXXX XXXX. They used the Transunion credit report to process my application. I did not mention anywhere that I would like other lenders to contact me. 

Transunion seems to have shared my mortgage application with their partners and I have been getting numerous calls and text mentioning that Transunion has shared my contact information with these lenders. Its a critical breach of trust and Transunion has no right to sell my personal information - including my email address and phone number without my express permission - that too for mortgage applications. They had no role to play here other than giving XXXX XXXX my credit information.

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 2021-08-07
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 received a call from XXXX XXXX asking to verify if I applied for a XXXX credit card on XX/XX/2023. I did not, but there is a hard inquiry on my credit report for this now.

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 2021-11-24
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
The last person, among several before, that i spoke with was yesterday at XXXX PM on XXXX. HEr name was " XXXX '' and she was pretty indifferent in her tone of voice toward me and at the end of the day, unhelpful. This is now at least the third time or more that I have spent hours on the phone with SEVERAL Alliant Employees, and when she still refused to help me make a large deposit of money during the phone conversation, her exuse was that " many people are applying to aliant as one of their banks ''. My hope is that you see the condescending tone that comes across to the consumer, spending hours on end with dseveral employees, and all I get in return are various excuses that block me from simply opening up a new account, aside from my joint one from many years before. 
her overall attitude and disposition toward me was not very virtuous at all, and her tone and words came across that I was not important enough to be taken care of after the third or more time that I had called and was forced to spend MORE time listening to all of the blockage coming from each and every one of them in some way or another. 
At this rate, I might as well find another bank and I did mention this to XXXX before and instead of rectifying the situation, minus all of the excuses, she then talks about how other people have been applying. I'm just a number to them and it sounds like they don't want my {$6700.00}... So much for respecting the Law of Human Nature .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
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: Information belongs to someone else

Complaint:
I was affected by Equifax Data breach. I never gave them permission to report my transactions and they did not exercise grave responsibility to protect my privacy therefore it was compromise. 
XXXX, 2022 XXXX XXXX ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX {$1200.00} ( closed ) I sent a letter of Data Sharing/Privacy being breach. 
XXXX XXXX XXXX XXXX {$860.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX Louisiana XXXX {$140.00} ( closed ) I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX XXXX {$70000.00}. I sent a letter of Data/Privacy being breach XXXX XXXX XXXX XXXX {$40000.00} XXXX I sent a letter of Data/Privacy being breach. 
XXXX XXXX XXXX XXXX {$11000.00}. I sent a letter of Data/Privacy being breach. 
After data being compromised I have had thousands of emails from marketers, countless spam calls, hundreds of mailings from banks, dealerships, credit card companies and calls from telemarketers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian did something illegal by removing And re adding a account called XXXX XXXX  XXXX. They was very rude when spoken with on the phone multiple times and acknowledged that they removed it but it was readded!! They re added that deleted account less then two days after removing and by doing that went against FCRA section 611! This dropped my score 21 point when they did this. Their negligence must be stopped! This account must be deleted ASAP.

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 2023-06-21
Company: Gurstel Law Firm, P.C.
State: AZ
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:
Gurstel Law Firm , P.C . continues to seek default judgement on me over a debt I have tried to verify by sending two different debt verification letters via certified mail. 

They first told me debt was for XXXX XXXX, then they said it was for XXXX XXXX. Im not sure who owns the debt. 

All they sent me was an affidavit of fraud forms to fill out. When I received those forms asking me for police reports, questions about who I thought stole my identity, I had no idea what they were talking about. Ive never had my identity stolen in my entire life. 

I called XXXX and asked them to let me know why they sent those forms. They couldnt explain why. 

They said I owed {$1300.00}. I was preparing for two major back surgeries and wanted to get this issue settled because they served me with legal documents at my house prior to my surgery. I had a XXXX XXXX XXXX left lateral interbody fusion on XX/XX/2023. I had a XXXX XXXX the next day on mayXX/XX/2023 which was XXXX XXXXXXXX XXXX XXXX DXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX and he also worked on my XXXX.. My Surgeon was XXXX XXXX and it was at XXXX XXXX XXXX XXXX XXXX I was there for over a week. 

I called XXXXXXXX XXXX and talked to a XXXX XXXX and a man named XXXX at XXXX on XX/XX/XXXX or there about after I received a just a letter from them. Not that it matters but both of them were disrespectful to me on the phone. 

I have not worked for almost two years as I am in the middled of my XXXX claim. I have a lawyer helping me. I explained all of this to XXXX. My sister actually went to her XXXX XXXX and borrowed {$800.00} for me to pay them just so they would leave me alone. I offered them the {$800.00} cash that day and they refused. 

I called them a couple more times but they would not accept the {$800.00}. 

I then used that money to pay off my XXXX card and my hospital bill. They accepted much less than I owed due to my health situation and not working for so long. 

Now XXXX is back sending me letters about getting a default judgement against me when they still have not verified the debt as required by law. 

I own my condo that is in a retirement community and dont have the health or energy to keep being bothered with them. Attached are the letters they sent me in response to my request for verification letters, also the court papers they sent. 

Thank you. I appreciate it if you are able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: FIRSTBANK PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I go to the plaza del caribe location on XX/XX/XXXX and XXXX to deposit {$100.00} to cover an amercan express transaction at XXXX and the branch officers told me that the branch is closed. That there is too much customers. I tried to deposit cash on the atm and the Atms told that the card dont work. The bank gives me a provisional debit card that dont work for the transactions. Today XX/XX/XXXX I have a transaction of {$15.00} for a fantasy transaction. They dont post the amex returned payment but charge the fee on the statement. I go today XX/XX/XXXX to the XXXX branch and the manager XXXX XXXX XXXX XXXX attended me, and she dont want to help me. And dont understand the problems. I asked her to fix my debit card problem and she dont want to fix the problem. I ordered her to close the account and she told me that today that is not possible. I want from today XX/XX/XXXX the account closed as my order request was denied by the branch manager. Her service was poor. I asked to give her a letter for the closure of the account and she refused saying that its dangerous clousing the account with a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Equifax XXXX XXXX has failed to respond about the removal of the erroneous information about my inquiry. Sending them letters dated from XX/XX/XXXX to the present, i have not recieved any response up to this date. On the other hand, inaacuracies about my Inquiry is continously reporting on my Credit Report. Therefore, Equifax failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information. Here is the concerned Inquiry that is still reporting on my reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX call on their recorded line was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. 
They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. 

I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the Judge. Protection under 303 BK code.

two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXX XXXX  XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. 

XXXX : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. 

I am seeking prosecution or removal.

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 2021-08-07
Company: Resurgent Capital Services L.P.
State: LA
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:
XXXX  deleted lvnv funding and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
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 U.S.C 1681. 
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  I told the Experian, XXXX, and XXXX to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of 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 2023-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America placed a. Annual fee on a credit card that had a XXXX balance and because of COVID I never received the XXXX $ statement balance. It gave me a XXXX day late payment now and has dramatically hurt my perfect XXXX years of perfect credit. They have not fixed it yet.

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 2023-01-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a continuation of complaint # XXXX. The response from the prior servicer states that I was sent the modification documents but I never got them, which is why I kept calling asking for them to be sent. Each call I made, when I would make my payment, would typically end with me asking for the modification documents be sent to me. I am still waiting despite what the servicer says. I never signed for any documents, I never got any documents. I have only wanted to have this modification completed and with every payment have tried to get that to happen. I continue to do so. 

What this appears like to me is that the consumer ( me ) is being screwed here due to the terms of my modification. It makes zero sense that I would continue to call in asking for documents if I already had them. Additionally, at no time was I ever told " Oh, we sent those already ''. I just kept asking for them each month. 

I am begging that this modification be completed under the terms and conditions agreed to previously. I only want to keep my house so I have a place to live. I am currently in the process of moving back in as it is my only place to live. I beg the CFPB to help me get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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