BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Kikoff Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
A loan was pulled out in my name, which I never applied for from a company named Kikoff Lending llc. I never applied for the loan and am a victim of identity theft. I have tried to contact the company with a request to remove it from my credit report and to send me a number where I can speak to a representative to assist me with this issue. I have been turned away from being given a number I can contact the company through. There isn't any direct contact from this company, which can only be assumed as a scam company which is not being regulated. The ftc has to do something about kikoff lending and remove this from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Hello I am writing in regards to PayPal and there terms on holds on my funds, and upon trying to contact them about such money they refuse to allow telephone contact do to covid 19 even though upon leaving a message online they ask for me to contact them by phone, and then when calling they say no is available to accept calls any longer. I had 72 sent to me for sense XXXX which they canceled the payment once so I had to wait and extra 21 days which made it a total of 62 days and then they suspended my accoubt after many emails back and forth receiving a different answer each time, I was informed that I could jow transfer my funds or I caN purchase online items with my PayPal they asked for identification I sent it they then suspended my account not b allowing me to do so stating they can now hold my money for 180 days and what gets me that is against my rights as the money is mine and they are withholding it with my credit cards and bank account in PayPal refusing to allow me to remove them and close my a count ASAP leaving my account to have security issues ... I be damned if this continues someone needs to do something with Paypal they are not paying interest and they are holding my money as if it is a CD or something please help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I need my credit report fixed by Region providing false info and straight talk on all my mortgage options. As a XXXX XXXX XXXX  with XXXX, I couldn't work during Covid and applied for forbearance. When I resumed payments, the bank extended my mortgage length and applied a lower percentage fee. However, the escrow balance got mixed up by the bank to a debt of {$2100.00} which I was not informed of despite my many inquiries about this. I also asked continually about all my options to have a lower payment. I was never informed of the Homeowners Assistance Fund and my inquiries about this went unanswered. I researched it on my own and found out all of Florida 's funds were gone. I was told by my Region 's Bank escalation service, XXXX XXXX, that it was not their job to tell me. Now, over the past couple of weeks I investigated obtaining a loan against my house. equity. XXXX XXXXXXXX XXXX XXXX Escalation Specialist - Regions Phone ( direct ) : XXXX XXXX Toll Free : XXXX Ext XXXX Fax : XXXX XXXX connected me with the wrong department, housing refinance. After I had given them all my info, I realized I needed another dept. So I told them to STOP the refinance paperwork and transfer me to the loan dept which they did. However, despite this, they processed the refinance request anyway, denied it, and passed the denial to the major credit bureaus, ruining my credit! I am concerned that with all the mixed info Regions is harming me. Today I got snail mail telling me to be patient plus by mistake they sent me someone else 's account info. along with it saying the same thing! Please help!

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Im trying to find out what is going on with my credit score because its affecting my application with low income housing and I am XXXX I need help

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 2021-12-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was reviewing my credit report and I got a new inquiry on XX/XX/2021 from Jpmcb XXXX that I searched up and said it was Chase. I never applied for a card from the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: EQUIFAX, 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:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

By obtaining my Equifax consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Specialized Loan Servicing Holdings LLC
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 is missing that should be on the report

Complaint:
SLS is failing to report my payments. I contacted XXXX who contacted SLS and nothing was resolved.

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 2023-06-14
Company: R.M. Galicia, 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:
( PROGRESSIVE MANAGEMENT SERVICES ) UPON TRYING TO MOVE INTO A NEW HOME I WAS DENIED DUE TO SOME COLLECTIONS ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE CHARGES AND HAVE REQUESTED THEY BE VERIFIED. I HAVE NOT RECEIVED ANY SUPPORTING DOCUMENTS I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE ENGELHARDT VS GRAVENS ( MO ) 281 SW 715, 719 I PRESUME THAT NO PROOF OF THE ALLEGED DEBT NOR THEREFORE, ANY SUCH DEBT, INFACT EXISTS.

This company is violating my consumer right to privacy pursuant to 15 USC 1681. This report has caused defamation of my character.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
On XX/XX/XXXX I called Equifax to dispute that they were still reported an installment account that I had with XXXX XXXX XXXX as open and late when in fact the account is closed, paid in full and no late payments as verified by XXXX XXXX XXXX when I spoke to them. When I Called XXXX, they verified that they have indeed reported the pay off information to all three credit bureaus including Equifax. XXXX and XXXX are reporting the account accurately ( paid in full, never late ). When I called Equifax to file a dispute they replied that the information they have on file was verified with XXXX but HOW if XXXX is reporting the account CLOSED, paid in full and never late. I am led to believe that their alleged investigation was frivolous and not thorough enough to lead to the conclusion of leaving the account as verified. This has severely damaged my ability to obtain credit, namely, getting another car. I have attached my paid in full letter given to me by the dealership on XX/XX/2022 which is attached. The account needs to be updated by Equifax as closed, paid in full, never late. They have been given more than 60 days to thoroughly investigate this therefore I will not accept a dispute period of an additional 30 days. 15 days should be adequate time to update their records. If this is not corrected my next step will be to file a lawsuit against them. Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent letters to correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
State: OH
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:
Back in XX/XX/XXXX, I disputed an account from XXXX ( Account # XXXX ) who are reporting to XXXX, XXXX, and Equifax. I claimed the account was being reported as inaccurate and incomplete and after 30 XXXX, XXXX, and Equifax sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches Equifax continues to report. 
Reports account Date closed does not match XXXX o XXXX reports XX/XX/XXXX Reports Charged off date before account closed date reported by XXXX o Reported Charged off date XX/XX/XXXX o XXXX Date Closed XX/XX/XXXX Charge off date doesnt match Date of Major Delinquency First Reported o Reported Charged off date XX/XX/XXXX XXXX XXXX XXXX date on XX/XX/XXXX Date of last activity does not match Equifax and XXXX XXXX Reports XX/XX/XXXX o XXXX XX/XX/XXXX o Equifax XX/XX/XXXX From the evidence above, XXXX XXXX Equifax , and XXXX can not be verified as accurate therefore Equifax is in violation of FCRA 1681e ( b ), which they are not assuring maximum possible accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I bought my daughter a XXXX gift card for my daughters birthday on XX/XX/XXXX. Immediately there were fraud charges on the card. We called XXXX customer service on XX/XX/XXXX to make a dispute for the fraud charges. We were told it would take 7-10 business days to get the replacement card and could take up to 15-20 days for the claim to be resolved. I received an email on XX/XX/XXXX confirming the case and charges being disputed and that the card and credit would be mailed out. Then another email on XX/XX/XXXX closing the case and refunding the money. We waited until XX/XX/XXXX, still no card. This time when we call Visa Customer service were told that the cards can take 15-21 business days to come in the mail and the card was mailed in XX/XX/XXXX. This wasnt told to us the 1st time when we made the claim, they said 7-10 business days. I asked what options do they have to replace the card and overnight one or to get a virtual XXXX since it has been so long and the card hasnt arrived. I was told there isnt anything that can be done and because of COVID this time frame is normal. But we were told 7-10 days the 1st time we called. I asked what compensation could be offered or any refunds on the cost to activate the card and was told there is nothing else that can be done. This is very inconvenient to wait a whole month to get a replacement card. I then asked if the card doesnt come by XX/XX/XXXX ( when they said it should arrive ) what happens then. The rep said they could reach out to XXXX to find out what happened to the card? As to say there is a tracking number or something. Still not offering the option to overnight the card or email a virtual card. I dont recommend using the XXXX gift cards to anyone with limited finances as they will leave you waiting with no options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: The CBE Group, Inc.
State: HI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( The CBE Group Account # XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A clearly states that I have the right to privacy.

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

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove this late payment and update this account Immediately, you are in ( Direct Violation of several laws under the Fair Credit Reporting Act. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a letter about a debt that Mandarich law group LLP was attempting to collect for XXXX XXXX XXXX which claimed that the original company was web pay in XX/XX/2021. I ignored since I had no idea who any of those companies were. And to be honest it looked like junk Mail. After some time my employer notified me of a garnishment on my check. That was the first time I was informed of this garnishment. I was confused and shocked that this company was able to do that without my knowledge. I have been getting my wages garnished for over a year. This garnishment has taken a toll on my finances as I am a father XXXX XXXX Im barely making ends meet. I didnt know how to get this fixed or removed. I was told that in order for a company to garnish your wages you must be served documents and then go to court. That was not the case. They also have my address with missing information. That is how I know that they illegally garnished my wages without notifying me. Also they have over charged me. On the original letter sent to me it stated that the amount owed was {$5100.00}. To date they have garnished over {$8300.00} from my wages. + over {$100.00} in garnishment fees. Also on the letters they now sent me it states that they are currently in the process of getting their license to be a debt collector. Please help me get the company to return my money that was wrongfully garnished from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Have tried contacting XXXX several times in regards to misreporting on my credit profile. I have never been late on this account. Account status is showing current however XXXX is reporting 30 days late to call credit agencies.

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 2022-06-11
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2022 I Paid Off The Account In Full I Have a Letter And Bankstatement Proving This They Have Lied To The Credit Breau And Told Them It Is A Charge Off They Keep Charging My Credit I Am Trying To Build Credit And I Cant Do That With A Negative Account On My Credit I Have Made Numerous Of Dispute Still No Luck

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 2023-06-14
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am in receipt of United Revenue Corporations letter informing me that they are handling the collection of the account # XXXX for {$950.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between United Revenue Corporations & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate United Revenue Corporations claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and United Revenue Corporation continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in United Revenue Corporations letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. United Revenue Corporation has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation