BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: PA
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:
There was a Credit Card opened with XXXX XXXX XXXX XXXX around XXXX of XXXX. I never opened such an account with them and never had any business with this sketchy company. I found out my Identity was stolen around XX/XX/XXXX when I was routinely checking my credit reports and found an account from XXXX XXXXXXXX that was closed 90 Days Past Due. The account number of the account is XXXX. I never opened this account and filed disputes with XXXXXXXX XXXX XXXX, XXXX, XXXX, and Equifax for ID Theft. I also filed an ID Theft Report with the FCC. The file number is XXXX. I believe the ID Theft happened when I installed malware unknowingly around XX/XX/XXXX on my main computer. I request that this account be removed from my Credit Report effective immediately and for any adverse information to be removed. I also request any inquiries that resulted in this account to also be removed, if not done so already. I also request any of my personal information be removed from XXXX XXXX 's system and for any collection efforts to cease immediately. I have attached a copy of the ID Theft Report to this complaint for the company 's review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.

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 2021-06-28
Company: Experian Information Solutions Inc.
State: GA
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:
Experian, XXXX, & XXXX violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted Experian on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with XXXX  but the call never connected me to an agent. As a consumer I feel extremely violated.

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 2022-07-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this XXXX  account accuracy many MANY times with both equifax, XXXX, and XXXX  ( which handles their deliquent accounts ) and to no avail, have not had any success. Equifax CONTINUES to report XXXX XXXX XXXX as verified and correct when it is in fact incorrecct. I pulled my account today and now it reads as CHARGE OFF when it is PAID AND SETTLED. How can something be paid and settled but be a charge off at the same time? Furthermore, Equifax continues to commit fraud as they are not actually reaching out to confirm if the amounts, date of last payment, and status of the account is correct. How can they report something today but I spoke with XXXX  TODAY and have attached transcript of our conversation staying that Equifax 's reporting is inaccurate and that it doesn't match the data that they have. THIS HAS CAUSED SEVERE EMOTIONAL DISTRESS AS I AM A SINGLE MOM TRYING TO FIX HER CREDIT AND GET MY CREDIT REPORT ACCURATE! It is against the law for credit bureaus to report information they know that is inaccurate. I have provided several emails from XXXX, true accord and they have not done anything to help. This needs to be fixed ASAP! I called XXXX today and had them send me confirmation showing my payment was paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: GA
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-04-28
Company: Alorica Inc.
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a problem with my credit report saying I'm {$360.00} past due when in fact I just paid {$480.00} to SST and am caught up with my past due account. I had reported a hardship to the company and it was ignored. My credit report is false and has taken my credit down XXXX points because of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company CB/LNBRYANT XXXX* , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/LNBRYANT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
XXXX payment of {$2600.00} was applied to suspense per cooper records. Not to the month of XXXX for that months contractual payment. There is no allocation of principle interest, or escrow ( PI & E ) the amount shows up in unapplied payments. See line 138 This would have been the first months payment after filing XXXX  XXXX. So at this time there was no unaccounted for shortage. 
Then other payments are recorded more go to suspense some make it to PI & E.

5-1 2041.64, 6-14 2041.64, 6-21 2200, 6-22 2037.32, 7-18 2047.74 *557.48 6-21 *** there are other entries many I cant understand why its several pages for just a few months. 
Then XXXX the court ordered {$1500.00} agreed arrears for missed payments. 
Why was {$2600.00} put into suspense only to demand catch up of {$1500.00} there appears to be plenty of payments. 
Why did you apply XXXX payments to XXXX? It seems clear cooper applied my current payments to amounts prepetition months causing the account to look behind constantly when it was not. 
Bounce to line XXXX XX/XX/2022 applied to XXXX XXXX never takes filed months amounts out of a single running balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was put into administrative forebearance for 2 months without any notice or agreement from me by Mohela. I am now being charged interest but I can not make payments on the loan. Am I ready and able to make payments but I am being prevented from doing so by Mohela and I am being penalized with interest accruals that are not due to my inability to pay. If Mohela can not process my payments, then I should not be accruing interest on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: TX
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX Account # : XXXX I have recently been informed that there is a negative claim on my consumer report reported by XXXX Account # : XXXX and under my Social Security number. Upon reviewing a copy of my consumer report, I see an entry listing I have {$200.00} XXXX with major inaccurate information and it is affecting my consumer report. This account is reporting inaccurate due to no reported monthly payment amount, the date open is inaccurate, the term duration is inaccurate, the high credit limit amount is inaccurate, the credit limit is inaccurate, the last reported date is inaccurate, and the last active & last payment date is inaccurate, and most importantly my DOB is reporting inaccurately. Therefore, I requested method of verification according to the Metro 2 Compliance standards. Any automated response, or E-Oscar verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted from all 3 consumer reporting agencies report. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

Certified XXXX Mail Receipt # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Certified XXXX Mail Receipt # XXXX :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The 3 Major Credit Bureaus list me as NOT having a mortgage although, I have submitted supporting documentation demonstrating that I indeed have a Mortgage. The mortgage was transferred from XX/XX/XXXX ( XXXX ) to BSI Financial Services and Partial VA Claim Form clearing a Forbearance that was registered in XX/XX/XXXX was approved.The VA Partial Claim indicates that the amount of the Forbearance is to be added to the current end of my mortgages maturity date and that my mortgage is NOW Current and that I didn't have a payment until XX/XX/XXXX under the new agreement. However, I continued making Loan Payments first to XXXX from XX/XX/XXXX to XX/XX/XXXX and then BSI Financial from XX/XX/XXXX until today XX/XX/XXXX. Loan Payments weren't required under the VA Claim until XX/XX/XXXX, I have continued to make my Mortgage Payments, since telling XXXX that I wanted to end the Forbearance in XXXX. My credit score has been negatively impacted by this. I have contacted leadership at BSI Financial twice asking that they intervene. Both times via email. I have requested that BSI Financial, please reflect the fact that I have a Mortgage with the Credit Bureaus, most recently with an email on XX/XX/XXXX at XXXX EST. All of the information within the Document Center of the BSI Financial online portal is NEGATIVE and none of it recognizes the VA Claim, the new Mortgage with an end date of XX/XX/XXXX. I am barred from electronic payments. I consistently receive statements saying that I owe {$32000.00} due immediately. However in conversations with BSI Customer support I am told " everything is ok. '' They are " working through the issues ''. The " online portal will be fixed. '' and the " Credit Bureaus will be contacted '' and my " Credit Reports updated ''. However, nothing has changed in the past 3 months. There is NO Documentation from BSI Financial acknowledging the VA Partial Claim. There is NO Documentation stating that my new Loan was transferred on XX/XX/XXXX and that payments start XX/XX/XXXX. There is NO Documentation stated that the Credit Bureaus have been contacted. There is NO Documentation with any related " Disposition '' information, or Next Steps or Action Items for me. Please contact the Atty XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX mentioned in the VA Claim if there is a need to verify that the VA Claim was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights .

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section
States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions 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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-30
Company: Tromberg, Morris & Poulin, PLLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I looked at my XXXX XXXX XXXX bank account and realized that on XX/XX/2023, I was charged to " Legal Order Fees, LTS ''. XXXX for {$120.00} and the other for {$3200.00}. When I asked my bank what this was, they gave the number of a law office in New York. I called and left a message, as well as emailed, but have not heard back. I have never been contacted by this law office and have no knowledge of any judgement or cases made against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraudulent charges at Regions bank reported immediately and card closed down and ask to have debit transactions stopped but institution says they could not and sent money anyway.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue.

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 2022-03-12
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company is reporting a debt to my consumer report that isn't mine.

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