BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: CA
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX 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 explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: AZ
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 closed my account labeled as XXXX XXXX and it is reporting as negative on all 3 credit reports. This is a account where you build your own credit and can cancel anytime. I requested for the account to be removed because 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 non-monetary relief
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I filed a total of ( 3 ) FTC identity theft report for fraudulent accounts and inquiries showing on my EQUIFAX credit report and file ( each is attached ). I also sent an Affidavit of Truth on XX/XX/XXXX stating EQUIFAX violated 15 USC 1681b ( a ) ( 2 ) by furnishing a fraudulent account that I did not give written instruction to do. EQUIFAX finally deleted ALL of the items ( all accounts and inquiries ) from my credit report and file BUT did not comply completely, as they did not send me money via the invoice that was with the Affidavit of Truth. This violates 15 USC 1681n ( B ) of the FCRA. Pursuant to 15 USC 15 USC 1681n ( B ), EQUIFAX is liable to compensate me for each violating they committed. Now looking at all deletions, there is a total of 13 deletions. Deletion is admission. EQUIFAX deleted 10 inquiries and 3 fraudulent accounts, totaling 13 deletions. ( Proof of all is attached ) Therefore they are liable for EACH deletion. XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX/TD XXXX Balance : {$860.00} XXXX  XXXX XXXX Balance : {$540.00} XXXX  XXXX XXXX Balance : {$480.00} XXXX  XXXX XXXX Balance : {$3200.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$660.00} XXXX  XXXX Balance : {$14000.00}

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 2021-10-08
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my BBVA accounts due to poor customer service. BBVA does not provide an option to close accounts online, phone calls to customer service either ends up with system error or excessively long wait time. 

On XX/XX/2021 BBVA charged bogus {$15.00} service charge and {$3.00} paper statement fee for paper statements that I never signed up ( paperless statement selected since the account was opened ) on the account I have been trying to close. 

On XX/XX/2021 I was finally able to reach a BBVA agent and he denied my request to close my accounts due to negative balance from above mentioned fees. When I asked to speak to a supervisor, the agent hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX, I received an email from Great Lakes indicating that it had received my IDR application documents. I was not contacted to fix anything on my IDR application. I thought that I was successfully enrolled in IDR. However, I am now receiving past due notices. I am eligible for a {$0.00} IDR payment, and yet I 'm receiving past due notices of almost {$400.00}. 

I would like retroactive forbearance immediately applied to my account to bring it current. I would like my loans enrolled in IDR immediately. If Great Lakes does not have the information necessary to enroll my loans in IDR, I would like an email specifically indicating what additional information is needed to successfully complete my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
n accordance with the Fair Credit Reporting act 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

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 2022-05-23
Company: Self Financial Inc.
State: AL
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 a victim of identity theft. My father used my identity to open an account with this bank in others. I discovered this account recently and have been trying to contact them to have this removed from my account. I have hired a lawyer and pressed charges. I am including my police report below and my FTC affidavit. Please remove these two accounts ( XXXX & XXXX ) as soon as possible because it is affecting my credit and it isn't mine. It is almost impossible to get ahold of someone at XXXX XXXX Proof of id is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, 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:
Equifax Inquiries have not been deleted from my credit report despite submitting FTC report : XXXX XXXX-XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Going back 6 months, I " underpaid '' after Pennymac failed to send updated escrow information. I have repeatedly had to call in and make additional " catch-up '' payments to bring my account current. On the rare occasion I get a statement, there is a late payment notice. On calling yet again, I get the runaround until finally they admit that they applied my new catch-up payments to either principle, or in suspense because of the previous late payment that they " accidentally '' forgot to apply the catch-up payment to rectify. I only find this out a few months late because they don't send statements regularly. In fact, I seem to be late receiving a statement yet again. I have not signed up for any online statements to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to Experian, XXXX, and XXXX explaining to them that there were accounts on my report that I never gave written consent to be placed on my report. These letters were all sent out to these three reporting agencies on XX/XX/XXXX. It has almost been a month since this letter has been sent and many of those accounts remain on my reports. Pursuant to 15 USC 1681 ( o ) it states that my consent was supposed to be provided to any companies reporting to these agencies. I never consented to these being placed on my report.

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 2020-02-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX Box XXXX XXXX XXXX XXXX, CA XXXX Mortgage Company Mr. Cooper Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Like many Californians I received a non-renewal notice for my homeowner 's insurance. I was miraculously able to quickly find another homeowner 's policy, rather than being forced into California Fair Plan and the inadequate coverage they offer. I have an impounded escrow account and rather than lose the offered policy waiting for my mortgage company to pay, I paid the premium myself. I asked my mortgage company to reimburse me for my insurance premium of {$980.00} on XXXX XXXX, 2019, with documentation including my insurance declarations page and receipt showing paid in full, and received no response to my correspondence. So on XX/XX/, 2019 I sent a RESPA request for my monies. I included all documentation again. This response was received by my mortgage company on XXXX XXXX, 2019. I received a response from them on XXXX XXXX, 2019 promising an answer by XXXX XXXX, 2019, and again nothing. I am attaching all documentation that I have provided them. Could you please help me get my insurance premium refunded to me which they have been holding in my escrow account. Thank you in advance for your help with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Dear CFPB, Loan Number Amerisave : XXXX This is regard the loan above with Amerisave. Amerisave already transferred the loan to XXXX with new loan number : XXXX on XX/XX/2023. However, when they transfer the loan to XXXX they put in a {$840.00} unpaid balance for escrow ( insurance ). They claimed that I did not have home insurance so they purchased that on my behalf. However, I always have insurance since the beginning of the loan to now. There is no gap in between. I and my insurance company always send them new declaration page of the policy at the beginning of every year. Now that Amerisave is closed, I can't call them or do anything to get my money back. I'm writing this letter to seek help from the CFPB to help me get my money back. 

Thank you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$960.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Carpenter, Hazlewood, Delgado & Bolen, PLC
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This Complaint is being filed due to this firms lack of competent business practices and the manner in which this firm has attempted to extort excessive fees and charges due to an alleged balance they are attempting to collect on. This firm lacks any sort of consistency or professionalism and in trying to contact the incompetent individuals that are employed by this firm I have been met with a severe lack of follow up or professionalism. This Firm is attempting to collect on behalf of XXXX XXXX which is an XXXX firm that has failed to follow due diligence in its effort to conduct any sort of relevant business. Due to this companies lack of protocol or process they have now attempted to serve me on an erroneous lawsuit with excessive and what should be considered illegal fees and additional charges. I have made an attempt to contact this company prior and left messages on 2 separate occasions for a XXXX and XXXX, but have yet to have anyone from this organization reach out to me to discuss this matter. I am absolutely disgusted at the manner in which this firm has billed me, and I refuse to be bullied or extorted via a lawsuit. My recommendation is this firm needs to do a complete re evaluation on its business practices and I demand a review of this account and all of the erroneuos charges they have billed. I refuse to pay this companies excessive fees and will demand that they be removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
State: DC
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:
I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX, Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account was never delinquent. Account paid in full with no missed payments. During Covid the company didnt have adequate support and each call the customer service was suppose to correct issues and they failed to remove this from my credit report after multiple attempts.

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 2022-05-23
Company: EQUIFAX, INC.
State: MA
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:
Hello, I have found an error with the XXXX XXXX  XXXX  account and it is my understanding that you will do an investigation and send me the results. I'm really concerned about this because this is really hurting my credit! I would like a new credit report that reflects the changes as well, please. I have some up coming events this year that will rly on my credit report being accurate so please assist me with this. The item I am challenging is : XXXX  XXXX Account # XXXX I've never been late. I paid on time XXXX and XXXX of XXXX. Delete this account. Please expedite. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: CITIBANK, N.A.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. 

The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently reviewed my credit report and noticed unauthorized inquires. I then faxed and mailed letters on XX/XX/XXXX disputing these unauthorized inquries. All credit bureaus responded with letters on XX/XX/XXXX, stating that all the inquires were accurate and verified, sending no proof that I authorized these inquries.

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 2023-06-03
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Old forge pa XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTE to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the de accounts listed IMMEDIATELY!

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