BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: EQUIFAX, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Red Cedar Associates LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Red Cedar Associates keeps calling me on behalf of XXXX XXXX - XXXX. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint. Please send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize and must be deleted immediately : XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, XXXX, XXXX, XXXX 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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 furnish any information relating to a consumer to any consumer reporting 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 2023-06-19
Company: EQUIFAX, INC.
State: NY
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 13 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: ZWICKER & ASSOCIATES
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I contacted XXXX at the end of XX/XX/2022 because I had just secured a new job and I needed to clear an old debt with them before my license in Massachusetts could be granted. They transferred the debt to Zwicker and associates in XXXX, MA to handle. I received an email from XXXX that I could call and pay the debt 2 days later. I have been calling them frequently and I still can't make a payment. They keep telling me that the account is on hold but can't tell me why or how long it's going to take. When I mentioned that I feel I may need a lawyer, a manager told me that may not be a bad idea. I don't understand how they can put this on my credit report but won't let me pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan company was switched without my consent. PHH mortgage assumed the loan. The first problem is the consumer has no say in who services the loan. THIS IS MY MORTGAGE. I should be able to choose the store front that services this loan. I shouldn't be dragged around to every shitbag mortgage company that wants to make my life XXXX. This is XXXX of those XXXX  operations. XXXX was bad enough. I shouldn't have to relinquish my banking relationships with reliable and good banks ( read XXXX, XXXX, XXXX, etc. ) to get a dirtbag who wants to make a buck on when the payment arrives. This is XXXX of the XXXX  operations. I have barely received the loan information with this new lowlife outfit, and setting up on their unique XXXX website. I am not new to this game. These outfits live to prey on lower income people so they can tag them with fees. This is what CFPB was set up to push back on. I value your organization. Now it needs to go one step further. Stop forcing the American taxpayer to have their loans usurped by conmen like PHH. This loan was made possible by the Fed, which sets the discount window for banks, who then mark it up and loan the money to the taxpayer, who financed the Fed. The loans are then backed by XXXX and XXXX, financed by the US taxpayer, so a government entity, which have been bundled and then can be sold to any swinging XXXX XXXX ( PHH ) to roll in and buy it up. These outfits then nickel and dime the hapless consumer who has no say. We saw this movie with XXXX back in XXXX. XXXX created them to take 'toxic '' loans. Now XXXX outsources theirs to this XXXX outfit. Now along comes PHH, to make my life XXXX, when I would have stayed with XXXX or someone else. I could care less who actually is behind the storefront ( a la XXXX using XXXX ), but I want to choose my bank instead of being dragged around to then be harassed by some XXXX XXXX  outfit. The rub here is I am paying my loan within the generally accepted first XXXX days of the month ( investment home ) when most tenants have to pay their rent. Then this XXXX outfit tags me with a {$30.00} fee out of the gate, for being late. This would never happen at XXXX. So I will be rolling down to XXXX XXXX XXXX 's and XXXX XXXX 's offices to complain about this practice. IN the meantime I want this nickel and dime XXXX rolled up. No more sleazy mortgage companies whose sole purpose is to cashflow their operation on fees that are not good business practice. I never chose PHH and want my say in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I ( XXXX XXXX ) discovered in XXXX of XXXX that my mother 's property ( XXXXXXXX XXXX XXXX XXXX XXXX  NH XXXX ) had been abandoned by my father ( XXXX XXXX ). Although my sister ( XXXX XXXX XXXX and I were both on the Deed and Mortgage since XX/XX/XXXX, I was not informed that XXXX had XXXX the property. For context, I have no contact with XXXX or XXXX. In addition, the mortgage company has never contacted me with any information, or mortgage updates. 

Upon finding out that the property was abandoned, I drove up from Rhode Island to inspect and confirm that abandonment. In addition to the abandonment, XXXX took 100 % of my mother 's belongings along with most of the faucets, hot water tank, sinks, and other metals. 

At that point, I hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX ] and began the process of Petition to Partition the courts to force the sale of the property ( advised by XXXX and XXXX even though I made it clear I wanted to retain the property and fulfill my mothers wishes. 
XXXX and XXXX attempted to negotiate with XXXX XXXX ( XXXX  father ) to which he become volatile and combative, refusing letters and court documents. 

At the same time as all this was underway, I began calling and emailing Rushmore Loan Management Services to try and take over the loan payments. As of this letter XXXX XX/XX/XXXX, Rushmore Loan Services maintains that they will not provide me any information on the Lease, Loan, or Deed, ( despite both myself and my lawyer providing all the necessary documentation many times, including phone calls ). 

Rushmore Loan will not accept loan payments, negotiations or discuss the property status with me. 

I spoke with the propane in XX/XX/XXXX while trying to set up services again and they show that the propane has been shut off since the Fall of XXXX and they had to retrieve the propane tank for the safety of the property. This means that XXXX abandon the property in late XXXX or early XXXX. 

Lastly, XXXX XXXX XXXX for bankruptcy in XXXX and her share of the property was sold to an outside investor by the name of XXXX XXXX XXXX When my lawyer called him to discuss the property he stated he did not know that he owned it. 
As of this letter, the XXXX XXXX is scheduled for XX/XX/XXXX. XXXX is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit 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 2023-10-13
Company: Fidelity National Information Services, Inc. (FNIS)
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: Was not notified of investigation status or results

Complaint:
I went to open a new bank account at XXXX XXXX  and was informed I had a checking account charged off account with outstanding balance on XX/XX/. I closed this checking account they are referencing in XX/XX/XXXX  before I moved out of state. I asked for proof of charge off debt and account information from the bank and never received it. it is hurting my credit because they have placed me on ChexSystems

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 2023-09-22
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
CFPB, Chex Systems is governed by the Fair Credit Reporting Act ( FCRA ). 

I do not have access to my file as the law permits. 

Please see attached for what happens every time I try and login. 

I have filed numerous CFPB complaints to no avail. 

Chex Systems tells me to call in. 

I called in 3 times this week. 

I asked to speak to US representatives. 

I spent no less than 2 HOURS on the phone on hold - as well as speaking to representatives this list. 

Tuesday, Thursday, and Friday. 

No one has resolved the issue. 

By law I need to have access to my online Chex Systems account- and they need to fix this. 

To this complaint- I will attach the picture I see when I try and login, my full contact details, as well as a past Chex Systems report to verify my identity.

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 2023-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is a follow-up to complaint XXXX. Per the customer service representatives stated resolution to this issue. A phone call ( XXXX ) was placed on XX/XX/2023 at XXXX to initiate a payment for {$750.00} ( {$450.00} to the note payment and {$290.00} applied to the remaining principal balance ). 

This was executed in accordance with the Companys Response please contact our Consumer Vehicle Lending Department at XXXX, Monday to Friday, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. to make a payment by phone. Yet the again, Bank of America failed to apply the payment correctly. This clearly demonstrates their incompetence and lack of understanding their own internal procedures. Im confident they will waffle on the concept of taking any responsibility for this and redirect me to making payments at one of their financial institutions ( you know since the payment by phone worked so well ). Based on the knowledge base of their customer service representatives they have handling these issues, my confidence in a teller to accurately apply my payments is non-existence.

In the interim, I will make my monthly payments by phone as instructed and continue to file these complaints till the CFPB investigates and initiates legal matters into the application of consumer loan payments from the Bank of America.

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 2022-07-08
Company: EQUIFAX, INC.
State: VA
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:
This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
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: Credit inquiries on your report that you don't recognize

Complaint:
UNFAIR OR DECEPTIVE ACT OR PRACTICE BY XXXX On XXXX, I placed a call to XXXX Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with XXXX XXXX services XXXX XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my Equifax report. 

I would like to request that this unauthorized hard inquiry in my Equifax report by XXXX and XXXX XXXX XXXX be immediately deleted from my Equifax report. Such Deceptive behavior by XXXX staff XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5.

Copy of FTC complaint filed attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Colony Brands, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Last year 2022, I had someone help me with my credit and they asked me to call Montgomery Wards and find out why they still had me on my credit report. 
I had called Montgomery Wards between XXXX - XX/XX/2022 and I asked they why they still had me on my credit report, because I need received anything from Montgomery Wards. They should the same thing and I had requested them to send me a letter stating that they would take me off my credit report. I went to go and try to get a house this past weekend and Montgomery is still on my report. I don't know what else to do to get them to come off my report. I need some help from someone or need some advise. Please! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian and XXXX continue to report the account as delinquent even though the account is clearly closed. I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified : Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect dates listed Instruction : The date opened says XX/XX/XXXX and the date last active says XX/XX/XXXX. This is incorrect. Please correct this inaccuracy or remove the account per FCRA accuracy guidelines. 
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness,

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
i recived my credit reportand i noticed 5 accounts thats not my i never used

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 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 Captial One account ending in : # XXXX has violated my rights. 

Under 15 USC 1681 section 6 o 2 states i have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions Under 15 USCS 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

Company response to consumer: Closed with explanation