BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
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 checked my credit report and found that some of the data were incorrect. Equifax is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/1997 Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage in full on XX/XX/2022 via wire transfer. Cardinal Financial confirmed payment in full. However Cardinal has not released the lien on my property. Washington State requires mortgages to be released within 60 days. XXXX XXXX When contacting Cardinal ( also known as XXXX and XXXX ) they claim they need more time to complete the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: MO
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 following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 following inquiries are not mines, and my request are for them to be removed, I understand what inquiries are, and understand me when I say I did not apply for neither, .. XXXX/ XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX - XXXX XXXX, XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Kikoff Inc.
State: CA
Product: Credit 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:
On an initial complaint filed with the cfpb against kikoff for a billing error that occurred XX/XX/23 where the customer service agent could not find the charge to dispute it. Kikoff responded by having a senior account specialist contact me to process the dispute on XXXX and I was told that this could take up to 60 days. 

On XX/XX/23 I called to follow up with the dispute and see what was taken so long, only to be informed that the dispute handled by the senior account specialist on XX/XX/23 was NEVER even processed and that the dispute would need to be re submitted. 

It has now been XXXX days since I began disputing a transaction from XX/XX/23 for the amount of {$310.00} from XXXX XXXX XXXX themselves admitted to the gross miss calculation and billing error and advised me to file a dispute saying that this would be the fastest way to have my money returned to me. 

Now XXXX months later, 3 senior staff members from kikoff, 2 complaints with the CFPB and this dispute hasn't even been initiated by kikoff yet. 

What do I have to do for kickoff to comply with FCRA a FDCPA regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, INC.
State: ID
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:
An acct has been paid in full and still shows open. Filled a dispute and came back {$100.00} difference so it shows something changed. On my line of credit it shows last update XX/XX/2021 So my debt to ratio is off. Disputed it and came back as same. 
Someone needs to sue XXXX, equfax they dont answer phone calls or I like this one send you paperwork to verify its you so it jams everything up. Need to get that fixed so its not a crutch for them. Well XXXX yeah its me my score is so low nobody would steal my information. Just purchased a car at way high interest because of so many problems that should be fixed. XXXX more over the life of loan. Enough is enough CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 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 2021-07-08
Company: ORG GC GP Buyer, LLC
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 information incorrect

Complaint:
I was the victim of multiple credit card fraud via a XXXX card. This fraud was timely reported to XXXX on multiples ocasions, to which they responded by just issuing a new credit card. 

Recently I noticed a XXXX point drop in my Credit Score and is due to a negative remark reported to XXXXn by XXXX on one of these fraud accounts ( XXXX XXXX XXXX XXXX XXXXXXXX ) I contacted XXXX and they told me they can't do anything since they sold this account to GC Services collection company. 

I need XXXX to contact XXXX and remove this remark since it was a fraudulent purchase. 

I need GC Services to stop attempting to collect via phone a fraudulent account. They need to work based on accurate data. 

I need XXXX to send me a check with the {$120.00} credit I was debited from my account during the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been attempting to freeze my XXXX child 's credit file with Equifax for months now. Equifax sent all information to a former address ( that the child never lived at as we had moved from that address over a year before he was born ). Upon attempting to get Equifax to update that address, they claimed we needed to provide more information to verify our identities and the child 's identity. This cycle has now happened 4 times over ; we provide to Equifax all they ask for and they return a stock letter claiming more info is needed. We've sent the information they requested by fax and by mail and still they claim more information is needed. 

We have also spoken to Equifax by phone and their employees do not know or understand why we are getting this result but only suggest to " try again '' yet another time. 

Furthermore, we believe Equifax has acted negligently by sending the original notice of freeze ( and presumably PIN number or other identifying/personal information ) to an address that this child never lived at, and we had moved from over a year before he was born. We had promptly updated our address with the XXXX and all banks/credit cards/employers within thirty days of moving, so it was not by any negligence on our part that they had the old address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit 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:
Had a XXXX XXXX in XXXX and the first cardiologist we saw charged us over {$18000.00} US dollars in advance for a XXXX XXXX which we cancelled within one hour after we discovered he was scamming us. He actually separated my wife from me and told her I would die if this procedure wasnt done immediately. After which she gave him 2 Chase credit cards which he charged on separate processors. ( red flag ) We then found a second reliable honest cardiologist that did the procedure the next morning. I provided documentation to Chase confirming the actual procedure as well as other items and for over 2 months fought with the dispute department after which they ruled in favor of this fraudent doctor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

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  -Has violated my rights XXXX XXXX XXXX XXXX -Has violated my rights XXXX XXXX XXXX XXXX - Has violated my rights 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 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 2019-10-17
Company: DISCOVER BANK
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:
Discover has known that I was a victim of identity theft, for many months. Discover instead of reporting the fraudulent application on the card they are claiming to continue to report to the credit bureaus which is fraudulent. Continues to close and create a new card number for this fraudulent account. They have done this 5 Different times now. This account is fraudulent, I do not care who they talked to. They attempted to try to dispute this account as Transnational fraud. When In fact the WHOLE ACCOUNT IS FRAUD. They called each merchant, and then lied to me. They told me they also spoke to Law Enforcement, but yet couldn't provide me with any contact details and they continually accuse me of opening the account, when I have never worked at XXXX XXXX, and I have never opened this account. I did not use this account, This was opened from an Identity Thief. Discover doesn't close the account due to identity theft instead they continually generate a new card number, and send it back to the credit bureaus. This account is fraudulent. I want this account removed from my credit reports as I did not authorize this account. You sent the card to a fraudulent address I have never lived at WHICH YOU CONFIRMED, on the phone to me that you sent the card out to a XXXX XXXX Address. That Address was blocked on my credit reports as fraudulent. I never received any card for this account. Therefore the account is fraudulent. This is not transaction fraud this is APPLICATION FRAUD. CARD FRAUD. IDENTITY THEFT. I will be getting my attorney involved if discover does not follow the proper laws to delete this fraudulent account, that I am not liable for because the bank account that was linked to it was also closed due to identity theft, and I have provided them with all this documentation including my affidavit which is attached below, and discover continues to fraudulently report this fraudulent account. They are not abiding by the FCRA Laws for Victims of Identity theft. 

Account # XXXX XXXX {$4600.00} Date Opened reported XX/XX/XXXX. Reported Closed XX/XX/XXXX with a new account number again. 5th Time they generate a new account number instead of closing the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26
Company: Experian Information Solutions 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:
It keeps reporting as charge offs. I have mailed several disputes and you see no changes!

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 2021-07-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a XXXX XXXX backed mortgage being serviced by Mr. Cooper. I have been on a COVID FB for the last year while also going through a separation with my partner. I called the other day to inquire about the post COVID options since I am back working. I told them I can not afford the current payment but close to it ( XXXX dollars. ) They approved a trial plan at a hirer payment amount then I am currently paying ( not due to an escrow shortage, my escrow is up to date ) without terms included. I was advised on the phone they are doing term extensions to 40 years ... why to make us pay more interest and take advantage of the situation. How am I expected to accept an offer without terms and have no idea what my payment will be at the end.I do not want a 40 year mortgage. What am I agreeing to? If I decline it I will not be eligible for a streamline post COVID mod ... this does not seem fair and I feel like I am being back in a corner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Bread Financial Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/19 at XXXX XXXX i received a phone call from Comenity Bank. On several occasions I have told them they can not call me while I am at work to call after XXXX XXXX. This day the agent who identified as Ms. XXXX took the note and preceded to have a conversation with me saying that I needed to handle the situation although I told her I could not talk. She then proceeded to harrass me about my bill and ask when I'm going to pay it. This is not the first agent that has done this. It happens repeatedly and my request to call me after a certain goes unnoticed and are ignored. I asked for a supervisor and when that was done i was hung up on. I called back to speak to a supervisor and again my call was disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: ENCORE CAPITAL GROUP 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 exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Midland Credit Management XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Midland Credit Management Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Once again Paypal had put another limitation on my account and I don't even use it anymore for business or anything! Every time I tried to get help on this or to find out why they no one could tell me the issues. They had lift the limitation but put it right back after a few days. I had did nothing wrong! I felt this was because of how we had to do the refunds and now it cause another limitation. But nothing was being done one this ( account : XXXX ) it was only used to for the refunds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom this may concern By the Fair Credit Reporting act. The list 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 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish an 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 then records of convictions of crimes which antedates the report by then 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 2021-07-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I wrote a letter to experian requesting that the XXXX XXXX XXXX XXXX account had errors and it did not belong to me and I wanted it removed from my account. I sent them this letter certiffied mail and the return receipt shows XXXX XXXX an experian employee at XXXX XXXX XXXX received it on XX/XX/XXXX. I stil havent received a reponse from them. Since then I have been forced touse the experian online portal which still shows this account on my credit report full of errors. How can I be 120 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation