BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-01
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was transferred to LoanCare on XX/XX/2020 from XXXX XXXX XXXX  ( XXXX  ). My Mortgage payment was sent electronically by XXXX on XX/XX/2020 and paid {$1800.00}. Delivery time was 2 Days, Transaction Number XXXX. The Account number that was used was the old account number under XXXX # XXXX, because they never sent a new account number number until I had already made payment. I think everything is fine until on XX/XX/2020, I start receiving calls that I have not made my mortgage payment. I call LoanCare and explain, that I made my payment, and provide details. I keep getting telephone calls. I go to XXXX, and request proof of payment and email it to them. They assign it to to a research analyst and ask for 48 hours. During this time I still get telephone calls to call LoanCare. I sent another email with proof again and they assigned another research analyst. I call again and am able to get through on XX/XX/XXXX and am able speak to XXXX at XXXX for 53 mins and explained the problem. They had posted my payment to another account. My new A/C is XXXX. They were able to apply my payment to my account. However, the payment is posted to my account on XX/XX/XXXX, not when they received it. She told me not to worry. I said that is unacceptable ; I paid on-time. That needs to be corrected. I have sent emails and they have not corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Someone stole XXXX dollars out of my Bank of America account over the span of XXXX days. I opened a claim and it has been denied multiple times despite Bank of America having video footage of someone else taking money out of my account. I sent them a police report and photo evidence of me being out of town during the theft. They continue to deny my claim. Ive opened the claim about 6 times so far to no avail. They even told me my account would be credited until they came to a conclusion, and have yet to do that. Any help would be greatly appreciated. Thank you.

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 monetary relief
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: OK
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 mailed 2 certified letters with return receipts, first letter was sent out XX/XX/2021 an received XX/XX/2021 asking Equifax to verify XXXX XXXX XXXX XXXX XXXX XXXX or to delete the account also included was a letter from the Court saying " they do not give or sell any information to third parties or credit bureaus '' also included was a letter from XXXX stating they deleted the XXXX XXXX XXXX  and on XX/XX/2021 Equifax verified the Bankruptcy accurately reporting and they also never marked the account under dispute or disputed. I sent my second letter out on XX/XX/2021 an it was received on XX/XX/2021 asking Equifax for Method of Verification and asking Equifax to send documents of proof or to delete the account and on XX/XX/2021 Equifax claimed they verified the account with the court and it is reporting accurately but once again with out providing Documents of Proof or showing Method of Verification. I have attached all documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased XXXX XXXX tickets, three of them, in the summer of XXXX for a show in the summer of XXXX. The concert was canceled because of COVID and rescheduled for a later date, at XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the rescheduled event was also canceled because of severe weather and lightning storms. XXXX did not reschedule a third time and said payments would be refunded. During this period I was in the process of switching banks because XXXX was going out of business. My credit card was a XXXX Comenity Card which I closed in XXXX of XXXX. They are saying they sent me a check for {$470.00} in late XXXX. They did not have any reference/proof that they did. I asked them to send a copy of the canceled check and we would pay them back, knowing I never received the check, that I had moved, and that I had closed the XXXX Comenity Card. A year later in the summer of XXXX, after many phone conversations with Comenity, they did indeed send us a check to refund the 3 tickets and I cashed it and thought the whole issue was resolved. One month later I received a new bill stating that I owed the {$470.00} again. I spoke with customer service and they said they would look into it. I received a letter on XX/XX/XXXX saying that we still owe the money with no proof that a check was originally sent to me and cashed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
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: Credit inquiries on your report that you don't recognize

Complaint:
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

I HAVE MAILED IN LETTERS TO XXXX, XXXX AND TRANSUNION ON XX/XX/XXXX ASKING TO REMOVE ALLEGED DEBT REPORTING ON MY CREDIT REPORT. IT HAS BEEN OVER 30 DAYS AND THEY HAVE FAILED TO DO SO WHICH IS A VIOLATION OF MY RIGHTS

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 2023-07-03
Company: EQUIFAX, INC.
State: FL
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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX/XXXX XXXX Balance Owed : {$630.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX -open XXXX  XXXX XXXX Balance Owed : {$1100.00} Date Opened:XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: CARRINGTON MORTGAGE SERVICES, LLC
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: Account status incorrect

Complaint:
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 4 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 Su
bject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-15
Company: V and H Portfolio
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contact this company to find out that they are reporting against my credit for a check cashed with them from a company that Ive never worked for. Ive never cashed a check with them. They are still reporting against my credit and I want them to stop because it was not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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:
All three major XXXX XXXX Are in violation. 

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My account was furnished which is against the law. No one had my written consent. 

This company listed below is reporting inaccurate on all XXXX Equifax and XXXX for example the late payments are reporting inaccurate. I have challenged this issue once before and it came back verified. Please reinvestigate this issue or I will press charges. 

This has damaged my reputation and my civil liability. 

Understand that it is {$1000.00} for every violation. 


XXXX XXXX XXXX Credit card Individual XX/XX/XXXX Account charged off. {$670.00} written off. {$670.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX BANK XXXX Credit card Individual XX/XX/XXXX Account charged off. {$660.00} written off. {$660.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Also 15 U.S. Code 1666b - Timing of payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. 

All three bureaus should be reporting the same accurate information, which in this case are not. Please delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: EQUIFAX, INC.
State: NY
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:
These in injuries are unauthorized I have no knowledge of them. I have identity theft case going on as I text this message. My identity 5th case started in the XX/XX/XXXX. 
The police report number is XXXX The officers name : XXXX XXXX XXXX : XXXX XXXX police department XXXX, ny phone number : XXXX. 

On the specific dates below are unauthorized Inquiries. Someone is still using my name there trying to get a XXXX  car. Pardon my French. But these Inquiries are hurting me when I try to get funding. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
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:
I am writing this complaint to EQUIFAX. I sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: MO
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:
A violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) Equifax must respect my right to privacy. I have a right to privacy ; Equifax is violating my rights to privacy as a Federal protected consumer. There is a need for Equifax to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Equifax actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Equifax actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: R & B Corporation of Virginia
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The only credit card I have that has accurant information is XXXX. The rest of the cards are inaccurate. I spent about {$300.00} on the XXXX card and realized somebody used my information and max it out. I got a strange text regarding this matter a while back but never really thought about it until they informed us of many accounts getting scammed. I recently was able to get XXXX removed from my XXXX and need it removed from XXXX and transunion ASAP. There was a previous address from XXXX XXXX that was on my credit report then my XXXX account got hacked and used my identity. I'm a young mother and this has damaged my life and my credit score ALOT. My XXXX  account mention that my personal information is at risked as well.

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 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX AND EXPERIAN ARE REPORTING XXXX XXXX {$9700.00} INCOME ON MY CREDIT REPORT. I ATTACHED 1099B FOR PROOF FROM THE IRS THAT THIS IS TO BE FILED WITH MY TAXES AS INCOME PER IRS GUIDELINES THEY PROVIDED ON THE 1099B.

Company response to consumer: In progress