BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX Equifax sent a letter stating that they had completed the investigation and the items were verified. 

On XXXX XXXX I faxed a letter that was received by Equifax ( see attached ) requesting based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all of the relevant information. I asked them to provide me with all of the information they used for their investigation, as required by FCRA 611 ( a ) ( 7 ). 
I asked them to reply within 15 days or delete the negative items, as originally requested. 

They failed to replied within the time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Upgrade, 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:
My account is automatically paid on the due dates. 3 times now after they take my payment, they say I still owe. I then pay that sometimes I pay it more then once. It's a higher interest rate for left over balance. They don't know why their system keeps doing it. Now my accounts have been denied, when I tried to use them embarrassing, and it's still delinquent. Upgrade.inc have been doing this for months now. No fix, no answer and this this it's 21 days later.no matter how many times I pay money o don't owe, it's still delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started a refinance with Quicken Loans LLC in XXXX of XXXX. Loan # XXXX. I am also the XXXX XXXX on the file. Right away I had problems. First they told me my XXXX number for my company XXXX XXXX XXXX that I've had since XXXX was wrong. I called IRS and they said Quicken was wrong. Quicken then said it was not up to IRS it's up to FHA. I called FHA and a supervisor said Quicken was wrong and sent me a screenshot of my FHA XXXX number. I sent in a complaint to CFPB. Quicken backed down. 
Quicken then spelled my street name wrong. Their escrow and title company had to over rule them and correct it in the computer. They had my dba wrong. They had the funding figures wrong. I had to correct everything. 
Finally I thought we were ready to close. But this is what my complaint is about. They said a mobile notary would come to me. I spoke to the first one and set up a time. I got a call before the appointment and the notary said she'd overscheduled and cancelled. I spoke to a XXXX XXXX who said she was supervisor of closings at Quicken. Her address is XXXX XXXX XXXX XXXX Michigan XXXX. I told her I would prefer to sign at an Escrow or Title office. But they had another notary call and she said she could make it. I told her I'd like a copy of what I sign and if she doesn't have a machine I have my scanner right here. She said no. I could not copy what I sign. She said it was against the law. 
I have always been aware that a person should get a copy of a contract they sign. I've been in the business a long time and have seen every escrow or lender give a copy of signed papers to borrower. XXXX XXXX said this is their practice. 
I volunteered to meet at My bank or any escrow to sign but she said no it has to be their mobile notary. Obviously the notaries are not independent. Because they won't make a copy of my signed contract I'm not confident they are being honest or independent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions 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 Account Number # # # # # # XXXX XXXX  XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-10-26
Company: EQUIFAX, INC.
State: NE
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX  SC XXXX XX/XX/XXXXXXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX Balance : {$1000.00}, XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: EQUIFAX, 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:
Hello, my name is XXXX XXXX, and I am contacting you because I was wondering why these fraudulent accounts are still showing up on my credit report. I already went through the dispute process and sent in all documents necessary 30 days ago. I sent in my ID, social, Identity Theft Report, I am wondering why it is still not off my report, can you remove it off my report completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: Experian Information Solutions 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:
My personal information is incorrect with XXXX, XXXX, and Experian. They all have inaccurate personal information on 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: FinCo Services Inc DBA Current
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was referred to Current by a friend ( who knows somebody that works at Current ). I opened an account through the app on XX/XX/2022. On XX/XX/XXXX, I initiated an automatic biweekly deposit to being the following week from a linked personal XXXX XXXX checking account. On XX/XX/XXXX, I received my physical debit card in the mail and logged into the application to activate it and transfer {$100.00} to the account. I noticed that on XX/XX/XXXX, my account had declined a transaction for XXXX XXXX XXXX ( XXXX  ) because there were no funds. As this was not an authorized transaction, I contacted support to figure out how my account was being used in a fraudulent manner within a few days of setup ( refer to attached conversation screenshots ). Upon telling me it was a security issue on my end and that my phone was likely being snooped ( despite no other issues ), I changed all of my security settings and installed XXXX XXXX ( no issues identified ) on my phone and Current issued a new virtual debit card. In the app, I paused the virtual and physical debit cards, which prevents usage per the agents suggestion. I also got a new phone the first week of XXXX and deactivated/cleared my old one. On XX/XX/XXXX, there was another unauthorized, declined transaction notification ( this was declined because my cards were paused ). I reached out again to customer service to understand what was happening with all of the unauthorized transactions on this new account. The agent mentioned they had also been hacked and that Current was doing their best to secure everyones accounts. I had the agent revoke access to my account from all known devices and issue a new virtual debit card again. I have yet to receive any notification of security breaches and can not get the Company to provide information about what personal information might have been leaked. 

I listed my employer name in the App, but set up Direct Deposit with my employer. I am currently trying to void and cancel my paycheck to prevent it from hitting the Current Account in case my employers bank account information is breached through this Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: MD
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 the first attempt on this particular matter concerning incorrect addresses and inquiries being reported. Please view the attached documents for further details. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
TD Bank made it extremely difficult to use my rewards ( which was 35000 points last time I checked ). My phone number and email both changed, and because I was in a state with no TD branch, it was impossible for me to access my online account, despite calling in multiple times. Because of the lack of access to my account, I was also unable to receive notifications about my bill/pay my bill, leading to revocation of my card and points. 

Had I had access to my account, I would have utilized the points immediately. But TD 's burdensome process to get access to my account made it difficult/nearly impossible to utilize my points, ultimately leading to its forfeiture

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2023, I have tried multiple times to make a purchase using through XXXX using AMEX gift card and is declined every time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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 was reviewing my credit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I got behind with payments on a loan with Tower Loan back in XX/XX/XXXX. In XXXX the company hired a law firm which petitioned the court to grant a judgement against me for the amount due on the loan and attorney fees for the firm who petitioned the court on their behalf. I reached out to the company when I received the court summons on XX/XX/XXXX. I was told to contact their lawyer. A week later a worker called me and asked me to pay what I can on the account. I was told they were not going to sue me. On XXXX XXXX I made a payment of XXXX. On my receipt given {$2500.00} is listed in the balance area. On XXXX XXXX I made another payment of {$500.00}. I was given a receipt, but no balance was given on the receipt. I explained that on the previous month when I made a payment that the person gave me a receipt and a balance was noted. The worker said they don't do that if their lawyer is handling the account. I told her that the person who took my payment previously was the other worker who was in the office currently with her. She said that was the branch manager. She said they aren't supposed to put a balance on my receipt. I keep getting told to contact their attorney. If the petitioned never went before a judge and they chose to let pay what I can why am I not getting a current balance on the actual loan. The interest on the loan is extremely high at 35.56 %. I have actually paid the amount borrowed and more than that. This company is operating under fraudulent terms. How is a company receiving money for payments on a loan but doesn't provide a balance? This company is also constantly calling after I've repeatedly told them that I can't receive calls while at work. The company calls from numerous numbers. The workers are very rude. I was given a check of {$420.00} in XXXX. I didn't fall behind on payments until about XX/XX/XXXX. How is it the law firm is petitioning for over {$3000.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX  reporting that ive never received. 

Student loans are forgiven credit reports doesnt reflect that. 

Multiple accounts paid off doesnt reflect on credit report. 
Erroneous credit pulls Southwest credit systems XXXX is paid off still reporting a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up request to tell you that I am a victim of Identity theft. The items I question have no connection with me or the transition I've made. 

Please block these erroneous items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have applied for another card they denied it. Even though I have a good score of XXXX, the Experian denied it.

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 2022-02-19
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: Investigation took more than 30 days

Complaint:
I am a victim of identity theft. I submitted a copy of my police report to Equifax and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulents items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: NETWORK FUNDING, L.P.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Lvnv Funding is trying to collect a debt that is not mine. There was a fraud alert placed on my account 5 years ago. I have no business with LVNV and was never called on fraud alert number to give ok to open business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
My credit score decreased by 100 points for a debt thats not mine on XX/XX/2022 then later that day it decreased another 20 points for no reason at all by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXX ABOUT THIS. They even have the account DUPLICATED on the profile which is double damaging!! 

I looked over the credit report and found some addresses that appear incorrect.. EVEN XXXX OF MY NAMES ARE INCORRECT " XXXX XXXX ''. 

Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation