BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: VA
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:
I am writing to request your assistance in enforcing the Fair Credit Reporting Act ( FCRA ) and to urge the credit bureaus involved to provide proof of all investigations and results concerning the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Despite multiple attempts, I have been unable to obtain the necessary information and documentation from the credit bureaus regarding their investigations into the unauthorized inquiries on my credit report. I have specifically requested that the credit bureaus provide proof of the investigations conducted and the results obtained from each of the aforementioned creditors, in accordance with the provisions of the FCRA. 

To address this issue effectively and ensure compliance with the FCRA, I kindly request that you : Notify the credit bureaus of their obligations : Please inform the credit bureaus involved of their legal obligations under the FCRA to conduct thorough investigations and provide documented proof of their investigations, including the specific inquiries made by the mentioned creditors and the outcomes of those investigations. 
Enforce compliance : If the credit bureaus fail to comply with their obligations under the FCRA or provide satisfactory evidence of the investigations and results, I urge you to take appropriate enforcement action against them to ensure that they uphold their responsibilities and protect consumer rights. 
Advocate for transparency : Please emphasize the importance of transparency in the credit reporting system by urging the credit bureaus to promptly provide me with the requested proof of investigations and results, as per my previous requests. Transparency is essential to maintain consumer confidence and uphold the principles of fairness and accuracy in credit reporting. 
I believe that by enforcing the FCRA and compelling the credit bureaus to provide the necessary documentation, we can effectively address the unauthorized inquiries on my credit report and ensure that the credit reporting system operates in a manner that protects consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: CBC Companies, Inc.
State: TX
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:
XX/XX/2021 i was notified by ph from XXXX XXXX XXXX XXXX Tx - thaf XXXX  -reported felonies on my criminal report XXXX XXXX XXXX XXXX - including a XXXX XXXX case - This is CRIMINAL FRAUD REPORTING OF ELDERLY XXXX  - i reported to XXXX XXXX XXXX XXXX US atty general XXXX FTC id theft unit i have NOT seen tis report and will include XXXX XXXX - XXXX XXXX XXXX  owners XXXX ive emailed a info email at aMrent - vague site My atty has sent s cease and desist letter - i did not sign any authorization to provide information of any kind -. 

i demand XXXX  furnish me this report per federal law -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX, Equifax and XXXX. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; Equifax, XXXX and XXXX ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character Equifax, Experian and Transunion are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account Equifax, XXXX and XXXX are in violation of many of my rights as a federally protected Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: Experian Information Solutions Inc.
State: IN
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:
On XX/XX/2021 I requested a payoff for my mortgage, with XXXXXXXX XXXX, due to refinancing. I received a payoff quote for {$70000.00}, good through XX/XX/XXXX. Payoff for the quoted amount was sent to mortgage company on XX/XX/2021, however was not applied to the loan until XX/XX/XXXX. This has left me with a derogatory mark on my credit report, showing that I was 30 days past due. I have previously sent in a credit dispute with XXXX and the have not updated the payment status. I have attached the payoff quote as well as payment history for the loan.

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 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: NY
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 having a problem with someone applying for American express credit cards in my name to my address. I have no reason to apply for XXXX American express cards when I'm trying to build my credit! purposely trying to leave hard inquiries on my account to XXXX me over!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Regions XXXX XXXX XXXX XXXX credit card account. I notifed Regions Bank of billing errors, and disputed a number of inaccurate interest charges, by mailed letters dated XX/XX/XXXX and XX/XX/2023. The Bank did not respond to my letters nor correct the errors, and continued posting further inaccurate interest charges on account. 
On XX/XX/2023 I attempted to bring these issues, and additional interest transaction problems, to the Bank 's attention for resolution in a certified mail letter. The USPS return receipt confirmed that the certifed letter was delivered to the Bank on XX/XX/2023. A true and correct copy of the letter, with its enclosures and the USPS return receipt with tracking, is attached to this complaint. 
Regions Bank did not respond to this letter, and took no actions on the account to correct the errors or otherwise address the problems identified. 
As of the letter 's date XX/XX/2023 the billing errors amounted to {$59.00} over-charged to the account. However, due to the Bank 's failure to resolve the ongoing problems, additional erroneous interest charges appear on the account 's XXXX and XXXX statements, in the amounts {$46.00} and {$46.00}, respectively. 
In the absence of any explanation whatsoever from the Bank on this matter, the current disputed portion of this account 's balance is not less than {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COVID forbearance emergency - our mortgage companies will not work with us on a modification, but instead want to short sell or foreclose. 

My wife and I were hit hard financially during COVID, I lost my company and all ability to earn money. We entered into a COVID forbearance program to alleviate some hardship on our family. We extended the COVID forbearance for the full 18 months and immediately began the loss mitigation modification process with both of our mortgage providers, we have a primary and a home equity. 
The primary mortgage was sold to Rushmore Loan Services prior to our forbearance ending so I have no history with this company, but they've denied our modification because they say they can't beat our 5 % interest rate. I've requested a deferral instead so we can proceed with our monthly payments, but they stated that they can't modify our mortgage unless they can better it. They've offered a short sale, foreclosure, or a deed in lieu in place of a modification. I have four children, all of who live at home, and selling our home is not an option. Since COVID has slowed down, both my wife and I were able to obtain full time employment, and are more than able to meet our monthly obligations, but we need Rushmore to offer a workable option for us. We just came out of our financial hardship so the last option they provided, of paying the FULL past due balance is not an option either. 

Our 2nd home equity mortgage modification has been in process since XX/XX/2021. I've jumped through hoops to get them all of the information they required, and have been denied twice based on that my 1st mortgage is not in good standing. I don't have other options. COVID left my family financially struggling, and the mortgage companies are not willing to work with me on resolving this. We're being taken advantage of, and also feel that the mortgage companies are more interested in stealing my house then helping me work out a solution.
Please help, I've exhausted all other options and I'm afraid I'll lose my house to these predators. 

Thank you, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Transunion sent me a letter, a stall letter They are asking for more verification even though I created the letter and sent the letter myself to Transunion. They are holding up the investigation of my complaint by not even conducting a complete investigation of the issues that I raised with them. Their hold up is effectively holding back XXXX and XXXX from conducting their investigations as well.

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 2023-07-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had autofinance fraud attempted at XXXX XXXX XXXX and also XXXX XXXX XXXX and the same day Fifth Third Bank shows also a credit inquiry to my credit reporting service and I have absolutely neve had anything to do with this bank and it is identify theft I tried to call this bank and they wanted all sort of details and would not transfer me to fraud and I gave my name only and she wasnt interested and seemed incompetent and keep asking me for my bank account no which does not exist so I am forced tofile this complain. I do not have any details as fifth third bank was useless when I called. and its listed on my credit report the bank with someone unknown faking my identify tried or did something.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,

Company response to consumer: In progress
Consumer complaint received 2023-02-28
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:
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 update or remove them immediately in my report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-05-25
Company: EQUIFAX, INC.
State: TX
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'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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a letter last summer 2022. It stated that my current XXXX XXXX XXXX was going to be replaced by an new XXXX  thru Comenity Capital Bank. I received the new card and on XXXX, 2022 I activated the new card and registered for my online account. I received a confirmation email indicating that I activated my card & registered for an online account. I then tired login but could not and thought it would maybe take a day or so to be completed. Well after several weeks went by and now needing to make a payment I tried logging in again and still could not get into my registered account. The several times that I would login I would always get a message stating that there is no email on file & they have to contact me. Again they sent me a an email after I registered and activated the card as it was required. 
So I called to make my pymt & told them the problem I was having and they said they are working on correcting it. Then a few weeks later I received an email from the president apologizing for the problems that many customers were having. So today XX/XX/XXXX I thought all should be ok as I received an email about my online statement being available. Again I can't get into my account. I get a message stating that no email is on file with them. They have my email as I confirmed it with them when I made my first pymt to them by phone and also received about 5 emails from them since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: American Coradius International LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERICAN CORADIUS INTERNATIONAL LLC ( ACI LLC ) on behalf of XXXX XXXX XXXX  is violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. AMERICAN CORADIUS INTERNATIONAL LLC and XXXX XXXX XXXX  is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and damaging me both financially and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: FC HoldCo LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Consumer have been in dispute with FLAGSHIP regarding a debt that arised from a consumer credit transaction. Consumer requested documentary evidence from FLAGSHIP in which they have failed to provide. Since FLAGSHIP can not provide consumer with sufficient documentation to validate, FLAGSHIP are to cease collection activity per the Federal Law. On XX/XX/2022 Consumer sent FLAGSHIP An Affidavit Of Fact. FLAGSHIP has failed to rebut the affidavit of fact therefore this affidavit stands true.

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