BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-04-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Hello, I have filed multiple reports against Equifax about them not updating my personal information on my credit file. I have submitted and resubmitted, but yet it goes unchanged. That tells me they are possibly using a computer bot and not humans to read these dispute letters. I just recently received a letter from them asking me to pls to do the following : submit a copy of either my social security card, drivers license and/or an official document to update my name. You also stated that you were unable to honour my request by sending a revised copy of my Equifax credit file. I further advised them that I have sent a copy of an official document along with my drivers license which clearly shows my updated information. Im of the belief that, they're using a computer bot to respond to disputes otherwise they would have seen that those now requested documents were already included in my dispute request. I have pleaded with them to update my information multiple times but they have refused to do so and are now using stall or delay tactics. I have even filed several complaints with CFPB but yet they still ignore my request to accurately and completely update my personal information. This isnt acting in accordance with FCRA laws and guidelines. This makes the 5th and final request asking them to honor FCRA laws and guidelines by updating my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
No communication from company. I was made aware of a new collections account on my credit profile. Prince Parker and Associates out of XXXX, NC placed and erroneous collection account on my credit profile. I do not owe this debt and have never done business with whom they represent, XXXX XXXX XXXX. I have requested proof of the debt, how the debt was verified and by whom was the debt verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: EQUIFAX, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection Agency has asked all reporting agencies to delete this debt due to fraud. 

Equifax, XXXX, XXXX are still reporting these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Diversified Consultants, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I left XXXX for XXXX XXXX XXXX program I have my phones to XXXX and they laid XXXX to buy out my contact transition and XXXX  took it off my credit but XXXX  every other year trys to collect and XXXX keeps accepting this fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I checked the balance of our checking account to see that Nationstar bank had taken an extra mortgage payment out of our account without our permission. While they also put the deposit back in, this is an intrusion into our account that they had no permission to do. I do not have an automatic withdraw set up with them. 

Additionally, Mr. Cooper / Nationstar sent me a letter saying our property was not insured and they were going to pay for insurance and charge us back with a policy that had less coverage and cost more. We have current insurance and always have. When I used the phone number they gave it's an automated system that directs people to a website, https : //www.mycoverageinfo.com/mrcooper/policy-manager/system-unavailable As you can see the system says " down for maintenance until XX/XX/2021, at XXXX XX/XX/XXXXit is past this time, I had an option of hitting zero and getting a live person, I was on hold for at least 20 minutes being told they were " experiencing heavy call volume '', then the call hung up on me. I re-called the auto phone system selected the option to file evidence of insurance via text, the link they sent? The website that is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
IDentity theft occured using my personal Information, XXXX and XXXX  have both removed the fraudulent accounts but Equifax refuses. 

I have contacted my police dept and filed an identity theft report as requested from Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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  ( 0 minutes ago ) to me 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. 


Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Has violated my rights. 
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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2021-04-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please update personal information on experian my name is XXXX XXXX XXXX My only address XXXX XXXX XXXX. XXXX, Ohio XXXX There maybe individuals that have thr same information as mine. Creditors may have entered my name, and address incorrectly when requesting my credit report. Regardless there are forms of my name and addresses that should not appear in my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second complaint against this company. What is being conducted is this Company is asking for new documents even though the same documents were emailed to this company and they received them. This is a continued and direct process to not do a loan modification. This company is continuing to conduct a REPEAT CYCLE of asking for the SAME DOCUMENTS they already have in their possession. Now this is what this company is doing in an effort to deceive and lie and continue to REFUSE to give me a LOAN MODIFICATION. But the unbelievable part is how their employees are scripted to try and get you to state you need to go into a fore bearance. I applied for a Loan Modification. This is their REPEAT CYCLE now : 1. Sending notification that ALL DOCUMENTS were received and it will take up to 30 days to make a decision. 2. Having strange people taking pictures of your house, over and over and when questioning the person as to why they taking pictures again, the answer is I dont know why the Mortgage Company is taking so many pictures. This is straight up harassment. 3. I get a notification with pictures of other homes with what the prices are in comparison to my home. Cycle starting over again- now asking for repeat documentation that was ALREADY accepted, now wants new updated. 4. And now a new one : Documentation that my Husbands Social Security is being deposited, although this was sent on XX/XX/21. And the cycle continues over and over. I will continue to pay my mortgage although late. What they gon na ask for next that they already have? This is the 19th repeat cycle this company has conducted. As you can see the 30 DAYS STARTS OVER FROM DATE THEY SEND ANEW MISSING DOCUMENTS NOTIFICATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had 3 charges on the same morning from a website called XXXX, an online text book company. I chatted with a service representative from XXXX about the fraudulent charges and they told me to contact my bank. They didn't care if they were contributing to debit card fraud or not. I have made 4 calls to Chase Bank and every time I get someone on the phone they complain that they can't hear me and hang up on me. There is debit card fraud happening and no one is doing their job. No wonder hackers are winning thr battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had fraudulent charges on my card on XX/XX/XXXX for {$1000.00} and {$200.00}. I called Citi on XX/XX/XXXX to dispute the charges. I was told the card would be reissued and the charges credited. However, the charges were not credited. I called again today to follow up, and I was told that the investigation reported that I needed to contact another department in Citibank called " Citi One ''. However, despite calling multiple phone numbers and being transferred multiple times, I have been unable to locate someone who is able to remove these unauthorized and fraudulent charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
On XX/XX/XXXX someone tried opening a Capitol One/Cabellas credit card with my social security number. I immediately called all 3 credit bureaus and Capitol One and reported the fraud. On XX/XX/XXXX a second credit card with the same company was attempted again using my social security number. I called a second time and reported the fraud. I also wrote a letter to Capitol one and XXXX  to remove the hard inquiries on my credit report and froze my credit. I've now called again because now there are two addresses on my credit report that are not mine. This has hindered my credit and is absolutely ridiculous that it is now almost XX/XX/XXXX and this is still not corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to resolve these issues concerning this debt claiming we owe to HUD. We have called HUD and explained that I refinanced on XX/XX/XXXX. I received a notice from Wells Fargo of this Debt with HUD on XX/XX/XXXX. I didn't understand why I owed this money, I found out an FHA Cash-Out Refinance was not done. When I spoke to HUD I could not get any help. I had a mortgage with Wells Fargo Home Mortgage and refinanced with XXXX XXXX. I got in touch and both banks and so far nothing has been done. Please note I refinanced on XX/XX/XXXX, with XXXX XXXX, I didn't receive this HUD information from Wells Fargo until XX/XX/XXXX. I received a letter from Wells Fargo on XX/XX/XXXX, that I requested a pay-off letter, the letter stated that all funds were paid. A copy of the pay-off was on XX/XX/XXXX. HUD did not get paid so now HUD is prepared to take 15 % of my social security check each month. I'm hoping this can be resolve because Wells Fargo failed to do a correct FHA Cash-Out Refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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:
In late XX/XX/2019, I received notification from XXXX  XXXX that I had acquired a late remark on my credit report from XXXX XXXX XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: CA
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:
This is my 5th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-12
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:
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account numberXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my and I traded in our vehicle and contacted Santander to request the payoff. We received the pay-off information and submitted the check. XXXX XXXX, a representative for Santander that works in the accounting department was informed that my wife and I would be sending the check to pay-off our vehicle loan. 

The check was mailed on or about XX/XX/XXXX. Santander received our check and processed it. My wife and I attempted to purchase a vehicle three weeks ago and were informed that Santander reported the vehicle installment loan as a " charge-off! '' We have evidence supporting our claim that our check was processed and received by Santander. We are requesting that Santander remove the inaccurate reporting from our personal credit profile.

Company response to consumer: Closed with explanation