BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: MI
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:
The list of inquiry is unknown and erroneous. The inquiry is pulled without my knowledge. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have this account be removed accordingly. 
XXXX XXXXXXXX Inquired on XX/XX/ 2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX  Date XXXX inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry 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 non-monetary relief
Consumer complaint received 2022-11-21
Company: ALLY FINANCIAL INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX at XXXX I had a conversation with a representative of Ally Bank to check on where my refund of the escrow account was after paying off my mortgage. According to a letter received from Ally I was supposed to receive the check after 20 business days from the date the mortgage was paid off. Twenty business days occurred on XX/XX/XXXX as of XX/XX/XXXX no money has been received. Further, I received a payout statement from XXXX effective XX/XX/XXXX stating my payout amount was {$1600.00} and my escrow amount was {$3700.00} but XXXX would not accept the payment when I attempted to pay off the mortgage because it was part of a sales package to Ally Bank and I must contact Ally Bank on XX/XX/XXXX to pay off the note. Ally was contacted on XX/XX/XXXX to pay off the mortgage but I was informed they did not have the information and the loan number was not set up yet, the earliest I could contact them was XX/XX/XXXX. On XX/XX/XXXX I contacted Ally Bank to pay off the mortgage and was informed the payoff amount due was now {$1600.00}, no explanation was given for the increase in payoff amount. I promptly wired the necessary funds to Ally Bank. Next, I received an undated letter from Ally Bank informing me there was an additional fee for recording the mortgage transfer from XXXX, {$33.00}, as well as an additional {$10.00} charge for interest fees on the remaining mortgage. This is a deceitful and possibly fraudulent practice and the fact they prevented me from paying off the note when I first called on XX/XX/XXXX shows a sloppy business organization, further they made a business decision to acquire the mortgage from XXXX, and the filing fee is an acquisition cost which shouldn't under any circumstances be put off on their customers. The next letter I received was dated XX/XX/XXXX notifying me the note had been paid in full effective XX/XX/XXXX, which demonstrates I was serious about paying off the mortgage. The letter stated a refund check would be received in approximately 20 business days, as of XX/XX/XXXX there has been no refund check received. In my conversation with Ally Bank on XX/XX/XXXX, I was told the escrow check was cut on XX/XX/XXXX, I now have concerns this was a fabrication by the representative I spoke with. I believe they should not be allowed to keep the {$43.00} and the bank should be sanctioned for abuse of lending practices. 
Approximately 5 years ago an account was opened by Ally Bank in my name and {$5000.00} was withdrawn from my XXXX XXXX savings account without any contact with me. When I approached XXXX XXXX they were able to reacquire the money for me and forced the account to be closed. I was told the incident would be filed since I didn't know who to approach to file a formal complaint so my history with Ally Bank is not a positive one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I attempted to reach out to the company on XX/XX/22 to let them know that they did not inform me properly and they continue to report this alleged debt on my consumer report. I also notice that they are not a registered agent in my state, and they are attempting to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: LEXISNEXIS
State: UT
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: Public record information inaccurate

Complaint:
I REQUEST THAT LexisNexis, Suppress my public and personal data from their services online and delete and or remove court and criminal information due to ID THEFT. AND FRAUDULENT INFORMATION THAT THEY HAVE IN MY GOOD NAME. AND THEIR AFFILIATES, SUCH AS CLUE, CHOICE POINT AS WELL AS SAGE REPORTING AGENCIES. 
IT IS MY RIGHT TO CHOOSE TO OPT-OUT OF THE SAID ABOVE COMPANY SERVICE 'S. 
I HAVE SENT MY IDENTIFICATION TO LexisNexis on five occasions and they continue to request my ID 'S over again and again for my LexisNexis consumer reports. 
The court records and insurance claims are false, that the said above consumer reporting agencies carry in their data systems in my good name causing liability damages to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions Inc.
State: PA
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:
My name is 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.

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 2015-08-18
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a XXXX mortgage with HFC Beneficial, I was involved in a dispute with them regarding the handling of the loan and the terms, but I had worked out a temporary solution to this and was making scheduled, agreed upon payments with them on time. I was told by them XX/XX/XXXX that they had " written off '' my loan XX/XX/XXXX ( even though I was making on time payments ), they would not give me any further information. I was contacted approximately 6 months later by XXXX XXXX XXXX saying that they were now handling the loan and demanding payment in full. When I spoke with a supervisor ( XXXX ) XX/XX/XXXX, he said my only option was to refinance my house and pay the debt off quickly so that it would n't appear on my credit. He says that even if I pay it out, it will show on my credit as a bad debt until it is completely paid off ( even if I make on time payments ). My understanding is that at the very least, they should allow me to continue to make my payments as per my original agreement with HFC. No one at HFC will talk to me about any of this because they " wrote off '' the loan. 

Some notes about the original loan : I was " Bait and Switched '' into a high interest rate and points when I took out the loan ( XX/XX/XXXX ). I was XXXX and XXXX at Beneficial in XXXX NY told us we could borrow the money for 8 %, no points, over the next weeks he put us off and crept the interest up a little, then after my daughter was born and I had been out of work for a few weeks and he knew he had us hooked and too busy to change servicers, he jacked the rate to 12 % and added the points. We should n't have accepted it, but we were stressed and I thought I could refinance it easily soon after. this did n't work out. 

When my XXXX child was born she had to be in a XXXX 2.5 hours away from our home for over a month and we financially fell apart for a few years. I worked with HFC to lower the interest rate, and got a lot of run around, but caught up with the new payment terms/plan. This agreement with them had to be renewed every 6 months, they always made this very difficult making me send in paperwork multiple times etc. 

The year the loan was " written off '' I was in contact with them regarding lowering the interest rate for the rest of the term of the loan and questioning the way they were calculating the interest, ( I have basically made no progress on principal in all this time ), they made communication extremely difficult and never addressed my concerns, I believe they passed the debt on because they knew they were in the wrong. 

I would appreciate any help you can give us with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Report address on my credit I never lived at want remove

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 2022-10-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I attempted to make my XXXX payment on XX/XX/02, but was presented with website error. I have been unable to get into my XXXX XXXX digital banking account. I had attempted to reach the phone number provided in communication, but the calls never went through. Once I finally reached a representative at XXXX XXXX, they unlocked my online access -- though the website error never indicated that my account had been locked. When I attempted to make the payment, XXXX XXXX then froze the transfer feature on my account with a fraud flag. I had to call in again, and they put in a request to unlock this and push my payment through. The payment was then successfully drafted from my checking account a few days later.

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 2023-07-12
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: IL
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX  ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX   ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$840.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX Balance : {$20.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL 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 2016-08-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I went on a leisure trip to XXXX XXXX, XXXX in late XXXX / early XXXX. On XXXX XXXX, I was in need of cash and proceeded to a nearby atm. The bank happened to be XXXX. I tried XXXX different machines at the atm unsuccessfully and just had a friend spot me cash for the night. Upon my return to the United States, I noticed that the XXXX attempted atm transactions had cleared and registered as shopping transactions at a clothing retail store in XXXX XXXX. I had not done any kind of shopping let alone stepped foot in a retail store. I called JP Morgan Chase and filed a fraud complaint on XXXX XXXX. I was given a temporary credit of {$430.00} pending the outcome of the transaction. 
On XXXX XXXX, I received a letter in the mail from Chase that the credit had been reversed because they could not verify any incidence of fraud on the account because my debit card had chip and PIN protection and could not ever be breached. I called the fraud claims department and was basically told the same thing. To add insult to injury, the claims specialist said I had to have known about the debit card transactions for them to have taken place and that the case would be permanently closed. 
Upon my own personal investigation and just typing " chip card fraud XXXX XXXX '' in XXXX search, the very first link was to XXXX in which other travelers like myself had the same experience, under a term called " Skimming ''. Basically, something might have been attached to the machine that took all my information, despite claims by Chase that the card could never be cloned. 
This shows gross incompetence and negligence on the part of Chase, as there have been articles in major national publications and consumer finance websites that Skimming has been on the rise despite the introduction of chip and PIN cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have asked Macys department store to stop calling me at work on XXXX occasions now and told them I would report them if they called here again. 
The first time was this past Monday, XXXX XXXX and the rep claimed she removed my work phone number from the database. I got another call this morning and told that rep that I will file a complaint if they call here again.

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 2023-12-05
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-24
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXXXXXX XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$32000.00}

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 2016-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX placed a collection debt which does not belong to me. I have mailed a written request asking for validation of the items and have not received assistance or information to dispute the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
I am looking to buy a home as I proceeded to do that I realized that my credit report contained fraudulent information. XXXX XXXX XXXX XXXX date XXXX with a outstanding balance of {$4000.00}

Company response to consumer: Closed with explanation