BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
15 U.S. Code 1681c2 Except as otherwise provided in this section, 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 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. 
YOU ARE IN VIOLATION IT HAS BEEN ONE MONTH AND THESE ITEMS ARE STILL ON MY CONSUMER REPORT PLEASE REMOVE ALL THE FOLLOWING ITEMS AS I AM A VICTIM OF IDENTITY THEFT. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or I WOULD LIKE FOR ANY AND ALL ACCOUNTS RELATING TO XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I became aware that Teletrack was collecting and selling my personal information without my knowledge. It my understanding they don't have legitimate information regarding my person. I request that they provide me a report on the information they collected on me, delete the information, stop selling my personal information and opt me out of any future data collection and sales. As a California resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I always received paper statements for XXXX years, and in XX/XX/2022, I did not receive my paper statement, so I was late with my payment, first time EVER! After several calls they credited late fee but they didn't tell me they were charging a trailing interest, which I never heard of, that totalled {$100.00}, and they won't credit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: AMERICAN HONDA FINANCE CORP
State: ME
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to request that Honda Financial Services immediately cease sharing my personal and financial information with credit reporting agencies. I have reviewed my credit reports and have noticed that information pertaining to my account ( # XXXX ) with Honda has been reported to credit reporting agencies. 

I understand that Honda may have a permissible purpose for accessing and sharing my credit information for certain purposes, such as extending credit or collecting on a debt. However, I do not believe that Honda has a permissible purpose for sharing my information with credit reporting agencies at this time. 

Therefore, I request that you immediately cease all sharing of my personal and financial information with credit reporting agencies, as allowed under the Fair Credit Reporting Act ( FCRA ). Additionally, if any negative information related to my Honda account has already been reported to the credit reporting agencies, I request that you correct the information to reflect that the account has been paid as agreed or otherwise XXXX  it out. 

Thank you for your prompt attention to this matter. I expect a response from you within the time period required by law. 

Sincerely, XXXX XXXX, a natural person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH did not pay our XXXX taxes. I contacted them in XXXX and as of today they still have not paid the remaining taxes and have not confirmed that any late or lawyers fees were not deducted from our Escrow account. 

Below is the communication I sent them in XXXX. None of this has been addressed by them : I received a letter today that we are delinquent on our XXXX Trash and Hydrant fees at a total of {$400.00}. Last year we received a letter from the XXXX  stating that we were delinquent on our taxes and PHH finally paid that amount in XX/XX/XXXX. However, that amount only accounted for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX taxes. It did not include the XXXX XXXX and XXXX XXXX taxes. Those are with another collection company, XXXX XXXX XXXX. - Original XXXX Tax Bill Total - {$150000.00} - this was not paid in XXXX ( included XXXX XXXX XXXX, XXXX XXXX, XXXX Hydrant XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ) - XXXX Delinquent notice and threat of lien received for - {$1400.00} - PHH paid {$1400.00}, Homeowner paid remaining {$9.00} to avoid additional PHH delays and lien being placed on home ( included XXXX Real Estate XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  ) - REMAINING AMOUNT OWED to XXXX XXXX XXXX - {$400.00} due ASAP ( XXXX  Refuse and XXXX  Hydrant ) I am requesting 4 things : 1. Details on where I can submit the outstanding amount so it can be paid ASAP 2. Confirmation that the {$300.00} in late fees, interest, and penalties has not be taken from our escrow. If it has, please restore these funds ASAP as these errors were through no fault of our own ( {$270.00} to XXXX XXXX XXXX, {$25.00} to XXXX XXXX ) 3. Instructions on how I can submit for reimbursement of the {$9.00} paid out of pocket. 
4. Requesting that all of the above be expedited. We have been dealing with this issue since XX/XX/XXXX and can not wait 10 days for someone to review and get back to us

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I have made several attempts with the credit reporting agencies on the fraudulent accounts and inquiries listed on my consumer report. I have no business with the accounts nor have I signed anything or consented to any.

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 2023-07-07
Company: Block, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have been with Cash App since XXXX This month I was offered to borrow first {$50.00} borrowed it paid it back immediately. Then was offered {$75.00} so I borrowed that paid it back immediately and then reborrowed it. When I went to pay it back Cash closed my account telling me I went against the terms of use? I never had any problems with any of my transactions until now. They wont tell me what I did and refuse to reopen my account. At present I still owe the {$75.00} plus interest. Please find out what I did wrong for I use this app often and never had a issue. I dont do anything illegal and feel so hurt I am being accused of misuse. I would appreciate my account be reinstated ASAP so not only to repay what I owe but to send and receive money as I have for five years. I tired this morning to open another account was asked my ssn and I got the same that my account is closed. 
Thank you So Much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, Tx XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated several of my rights 15 U.S.C 1681 section 602 A. Clearly statos that I have the right to privacy.

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

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

Remove these late payment and update this account immadiately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( XXXX ), it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with The Fair Credit Reporting Act XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604A 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 any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian XXXX XXXX Inaccurate Account Information In my Credit File Fed Loan Servicing - Account Number : XXXX XXXX shows my account in good standing Payment status : Pays as agreed Last Updated : XX/XX/2022 XXXX shows XXXX late XXXX shows my account in good standing Payment Status : Pays as Agreed Last Updated : XX/XX/2022 Shows XXXX Late Experian shows my account delinquent at XXXX days late Payment Status Inaccurate Last Updated : XX/XX/2022 no change to the inaccuracy never XXXX  days late Experian shows account as XXXX days past due -- -- > Status Inaccurate must be removed

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have my mortgage payment set up to pay automatically from my bank on the first of each month ( when its due ). Last XX/XX/2022 after my payment was sent on time, I later got a check in the mail from XXXX Mortgage with no correspondence or any other information. I supposed it could be an Escrow refund. Next after my XXXX payment I received a notice my XXXX payment was late. I disputed this both with the bank and the credit agencies. For the next 4 months each of my on time payments went to the previous month continuing to show I was late. I finally had to make a double payment in one month to correct it, but they had reported me late 5 times because of their mistake, I am current and still have my payment deducted from my bank each month. This has hurt me credit score and my current ability to refinance due to no fault of my own and I need this corrected! Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 - XXXX ) has violated my rights. 

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 2022-02-16
Company: Convergent Resources, Inc.
State: PA
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 was a victim of identity theft. I sent XXXX, XXXX, and XXXX my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, 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 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.

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 2022-02-16
Company: Shellpoint Partners, LLC
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I paid {$500.00} on my personal property taxes to the XXXX XXXX treasurers office, on XXXX. NewRez never reflected that this payment was made. Their third party company paid {$1900.00} on XXXX. The third party company said that they told New Rez this. We have called New Rez more than 8 times trying to get this corrected and they tell us that they will research and call us back and never give us a call back. I have faxed a copy of the check and statement from the Treasurers office and we still have not any results. We paid the {$500.00} and we need to get credit for it. The name of third party is XXXX XXXX  and this is what they sent us. 
-- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/21 XXXX PM ( XXXX ) To : XXXX XXXX ' XXXX Subject XXXX XXXX : XXXX Property taxes Good afternoon, Thank you for inquiry, we have verified your request and we have notified the lender about the payment advised them to take the required action on the payment. 
parcel # XXXX XXXX customer product support

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: NV
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXXBalance : {$2400.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXXBalance : {$2700.00} ; XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$5000.00}.

Company response to consumer: Closed with explanation