BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed two -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX XXXX  # XXXX, XXXX XXXX  # XXXXXXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Square Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 I sent a payment on cashapp too my husband but sent to his old account which cashapp themselves closed out months ago. It has no cashapp $ hashtag name at all, phone number, or email so how the payment was even sent is beyond me It was sent to XXXX. The payment was suppose to go to $ which cashapp stated during emails back and forth that the account was tied together with the other. 
Once payment was sent I realized that there was no recipient just XXXX and immediately contacted support and requested refund. XXXX also contacted cashapp and they stated that the transaction was cancelled and money would be sent back. On XX/XX/2020 I contacted Regions bank and informed them and asked to dispute charge. On XX/XX/2020 I disputed charge with my bank again as I had not heard anything back on the previous day of reporting. XX/XX/2020 I contacted my bank again to see what was going on. They stated Cashapp refused to return $ and the {$300.00} is valid. XXXX and I both have been nonstop emailing cashapp back and forth as they dont have a # to call they have completely stopped responding to me and they sent XXXX another email stating that refund was issued on XX/XX/2020-XX/XX/2020 that it would be returned to the sender and it has not and them stating that along with disputing my transaction with bank states they are trying to keep my {$300.00}. They have sent XXXX and I both emails saying it has been over 3 days since they have heard from either of us and closing out the case. We have emailed daily. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Auto loan with two signatures, my own as Step-Father to my Step-Son, a member of the U.S. military and the principal driver of the used vehicle. Loan has been paid on time and has approximately six payments remaining to completion.

Requested a lienholder agreement to have the vehicle shipped by the Federal Government from XXXX  to XXXX  due to XXXX XXXX. Seven phone calls and a variety of promises made brought an extreme amount of discontent, emotional distress, and absurd inconvenience. On several of these seven occasions ( which the bank indicates they have documented ), staff members promised the delivery of said letter. Indeed, they assured that it had been physically mailed on XX/XX/2021. When never received, on two instances members of the bank 's staff indicated they had satisfied the need and request by emailing a secure document, only to find that the document they had securely sent was merely a scan of the original sales agreement, not a permission letter to transfer the vehicle 's location.

In the meantime, my son had to ship out, so his vehicle now remains in XXXX. We have finally been provided the lienholder agreement, but in the interim he is suffering costs which would not have been necessary for XXXX  and Rental fees.

The bank indicates that, because they have finally delivered the document that was required, there is no accommodation, consideration, or reduction in balance that can be provided us in courtesy or compensation for actual damages, emotional distress, and/or inconvenience. We have escalated our requests all the way to a corporate officer, who indicated they would " document the call '' but that no remedies of any type would be extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
If you take a look at the attached documents you will see that the company is reporting the wrong balance amount on my account. 

I want this account deleted and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
This is my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: TN
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 am a victim of the Equifax data breach. I have submitted the necessary documents to have the fraudulent accounts listed on my FTC reports blocked per the statute. This is a block request not a dispute!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and fix them immediately in my report : SXXXX XXXX XXXX XXXXXXXX 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

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 2021-08-31
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
My wife and I did not receive our EIP card with our stimulus money. After several months I checked with Regions Bank to see if they could help. According to Regions, our EIP card with our {$2400.00} stimulus was redeemed at their branch on XX/XX/2020. Neither my wife nor I have ever seen the card, and I think it was stolen from the mail and redeemed. Regions claims they no longer have video of the drive through on that day. I have been working back and forth with Regions and the IRS since 2020 and I'm still without a resolution. 

Regions tells me that I need to contact the IRS and the IRS tells me I need to contact my bank and the card issuer. I have contacted the card issuer, who I believe is XXXX XXXX XXXX and they tell me to contact my bank. My wife and I are retired and very much need this stimulus money.

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 2021-07-19
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:
This is the third time I have had this dispute with Equifax. I am disputing a debt with XXXX XXXX XXXX. I have offered evidence that I only owe {$350.00}. XXXX XXXX validated this evidence on my credit report with Equifax. Then 2 days later XXXX XXXX is claiming that the balance they validated to be correct was not correct after all. Equifax has favored with XXXX XXXX. Equifax is saying that I am a liar and XXXX XXXX is telling the truth. They have not called me a liar but thats what they are doing. I want to know why Equifax thinks XXXX XXXX evidence is more credible then mine when XXXX XXXX went on record with XXXX and XXXX  and validated my claim of {$350.00}. The balance of {$350.00} is still showing up on my XXXX and XXXX  credit report. ( see attached documents. ) XXXX XXXX tells XXXX  and XXXX  that my balance as of XXXX the XXXX is only {$350.00}. That balance is still current. So either XXXX XXXX lied to XXXX  and XXXX or the lied to Equifax because they are reporting different things to all 3. If they are telling Equifax one thing and XXXX  and XXXX something totally different then why is Equifax giving their evidence more credibility than mine? What makes XXXX XXXX evidence more credible then mine when XXXX XXXX themselves validated my evidence. I want Equifax to remove XXXX XXXX trade line from my credit report. Its obvious XXXX XXXX is not credible if they are reporting 2 different stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I HAVE ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM 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 explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no 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 2019-09-16
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
There is no Lease for this unit. This property was involved in an property fire. 
This was unfortunetly a illegal situation This unit was the only unit i lived in and this was before XXXX XXXX XXXX soldit sproperty

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my ex-wife and I got a divorce after 21 years of marriage and she was awarded the homestead purchased in XXXX which she intends to keep and continue to raise our XXXX children in. The mortgage of the property however remains solely in my name and credit. In 2017 I quitclaimed the house deed over to her and now she is solely on title. Wells Fargo refuses to help her assume this loan claiming that the loan is unassumable even though they had already sent her forms to begin the assumption process. 

In addition, Keep Your Home California ( KYHC ) has accepted her as a client and offered to assist her in catching up on the mortgage and assuming the loan if Wells Fargo would acknowledge her connection to the loan since their program only benefits their clients of which I am not. I have long moved out of the property and she had been making payments until the loan interest rate reset in XX/XX/XXXX and the payments increased from {$3200.00} a month to {$5300.00} a month, which is unsustainable in its present form. It is strange that after over seven months of speaking with more than 10 people in different Wells Fargo departments, they are not offering a way to refinance/assume this loan. We have explained several times to Wells Fargo that by acknowledging her connection to the loan, KYHC would assist her in paying the past due amounts and assuming the loan, but they have not done any thing and have been calling with extensions on their internal investigation while the clock has been running and my credit has continued to show more late on the outstanding payment. 

Please your assistance is needed to help resolve the long standing matter. Thank you. 

Sincerely, 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 2023-03-16
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-08-31
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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: Account status incorrect

Complaint:
The company has been posting " late payments '' to the credit bureaus since XXXX. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last XXXX  years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.

Company response to consumer: Closed with explanation