BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-08
Company: EQUIFAX, INC.
State: MO
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:
When my identity was compromised i made a report however unknown and unauthorized items are still appearing on my credit file. The 3 major reporting agencies are required to show the Method of Verification when processing unauthorized accounts, and if this shown can not be demonstrated then the credit reporting agencies shall remove the accounts. Please remove and block the following accounts both  collections and unknown authorized user accounts inwhich I have no knowledge of. 

1 ) XXXX {$250.00} 2 ) XXXX XXXX XXXX ( unknown authorize user account ) 3 )  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It has come to my attention that there are remarks/comments linked to this account is inaccurate, and I believe it is in my best interest to have them expunged. I have reviewed the details associated with this account, and I kindly request that any remarks/comments be removed from the account. I am committed to maintaining accurate and up-to-date credit information, and I believe that the presence of these remarks/comments may not accurately reflect the current status of the account. Therefore, I respectfully ask for their removal to ensure the accuracy and fairness of my credit profile. I am writing to formally request the removal of remarks/comments associated with the following account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2022. I kindly request that you initiate the necessary investigation to assess the validity and relevance of these remarks/comments. If it is determined that their presence is unwarranted or misleading, I request that they be promptly removed from my account. I understand that the Consumer Financial Protection Bureau ( CFPB ) encourages credit reporting agencies to ensure the accuracy of consumer credit reports, and I trust that your bureau will take the appropriate steps to address this request.

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 2023-07-26
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: Public record information inaccurate

Complaint:
I have incorrect increase showing on my account when I had a freeze and on my three credit bureaus for the past 6 years! Those inquiries are fraudulently done I am a victim of fraud I sent in several copies of police reports and they still Place those inquiries on my report hard and soft! Also they are showing public records of bankruptcy XXXX XXXX and XXXX which is XXXX XXXX XXXX XXXX  XXXX they told me they going to keep it on there for 10 years when I contacted the consumer they said they never report information to any credit bureaus and also gave me a letter to send to them and spoke with them on the phone and they still keep that public records on my credit report I want them removed they are falsifying in line saying they contacted the bankruptcy courts and they reported the bankruptcy to them which is false information I want my XXXX  XXXX and XXXX removed it's stopping me from purchasing a house as a first time homeowner! I also have accounts on there that's closed out and old with inaccurate information and also have accounts on there that's not even me saying that I'm an authorized user on a credit card I never in my life on the credit card I sent the police reports I'm a government employee at the post office in all of our information had been breached it was on all national news channels everyone knows this ever since then five years ago I've always had a freeze on all three of my credit reports even XXXX XXXX and I don't understand how these accounts are being placed on my credit reports every month some of them you can look and see the dates that is fraudulently done they're back to back please have them to remove this false information on my credit report ASAP they investigated and it's constantly keeps it on there I want this stuff off so my credit score can go up I even have accounts that I paid off and they still reflecting on my credit report! They keeping my credit score at a XXXX this is ridiculous someone need to get to these credit bureaus all three of them and stop letting them fraudulently put information on people 's account saying that they getting public information from the vendors when they're not! I want those bankruptcies move both of them!

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 2023-09-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My issue is that the credit bureaus must report accurate information consistent with the Fair Credit Reporting Act. I recently received XXXX credit alerts ( on XXXX & XXXX respectively ) that Equifax dropped my credit score by XXXX points & XXXX dropped my score by a whopping XXXX points, with no explanation provided. I've done nothing wrong. Didn't miss a payment. The credit bureaus should not be reporting negative score information as I am in good standing with all of my creditors & accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I moved to PR and start working from home. I open an account in Banco Popular to use it for my Direct Desposit from my work. Unfortunately when I was setting bank information with my employer I put the wrong routing numbere so the have to overnight me a check for {$510.00}. On XX/XX/XXXX I deposit the check in the ATM machine. I come from XXXX XXXX so I was expecting to see in my account {$510.00} pending but I dont so I call Banco Popular customer service line and they explain me that should take couple days do see the whole amount reflect in my account. They said I should see {$220.00} first and then the rest. I call monday XXXX first because I dont see nothing reflect in my account. They explain me that I need to wait until Wednesday XX/XX/XXXX. I wait and I call back Thursday the XX/XX/XXXX and they explain me that at that point your check should be reflected in your account if not is because theres an issue with the check and they explain that I need to wait until Wednesday XX/XX/XXXX to receive a letter explaining why that happen. On Wednesday XX/XX/XXXX around XXXX I received a call from the bank branch in XXXX XXXX asking me where that check comes from and other questions to apparently be able to verify the check. After she make all the quations the branch agent told me that she are going to told the supervisor and see if the check was good to deposit. She promise me to call me in the afternoon but unfortunatelly she never do. Looking for information and talking with my uncle wich is a CPA and a cooperative bank executive he explain me about The Funds Availability and Check Collection Act ( Regulation CC ) of the Federal Reserve ( Not sure is the translation is correct ) and he told me that American financial institutions have no more than 5 days to clear a check doest matter where the check come from if not they are incurring in violations against this regulations. Today XX/XX/XXXX the bank just make available {$220.00} from my {$510.00} check, after XXXX work days from my original deposit, in clear violation of your regulations. I call customer service and explain this regulation and customer service transfer me to the complains department. The complains department admit that the branch did wrong and call the branch for mor clarification unfortunatelly the manager was not there at XXXX am so a branch agent provide him the personal phone number of the manager. He call the manager but unfortunately he didn't answer the call. After all those fails tries he file an internal investigation against the branch because clearly is taking way too much time to get the money I worked to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello my name is XXXX XXXX XXXX. And I have a balance of {$460.00} in Debt. The fraud Happen when I was XXXX. Im now XXXX and cant get into my low income apartment because of this identity theft. I am a single mother of a XXXX old boy. Ive lost my information when I was XXXX moving around to find shelter. I had a hard life. So now that I can finally have a place to call my own home, I cant get into my apartment because of this. The Agency for the apartment looked into my credit and found this balance and denied me but they are willing to give me a second chance to fix this problem. Can someone please get this off of my credit report so that they can redo my credit report check so me and my son can move into our new home. My number is XXXX Please contact me for any other information or questions please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-26
Company: Upgrade, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft which have created a great deal of XXXX  and XXXX. I submitted an identity theft report complaint with the Federal Trade Commission. My consumer rights of me being a natural person under the Fair Debt Collection Privacy Act USC 1692 and Fair Credit Reporting Act 1681 are being violated. Upgrade are breaking federal law attempting to collect a debt that is not owed. I do not owe Upgrade any money and demand that they stop attempting to collect the alleged debt and delete any internal records of the alleged debt and stop the false reporting to the credit bureaus ( XXXX XXXX and XXXX  ). I am also requesting an audit trail according to GAAP that any money was given to me. If any account was created using my social security number ( which I didn't authorize ) that would make me the creditor not the debtor. How can the creditor owe any alleged debt? They can not according to congress! 15 USC 1692 states that it is fraudulent to furnish a deceptive form to make me think I owe an alleged debt when they became a " debt collector '' after " Me '' the Original Creditor creates a creditor by giving them credit to extend back to me. I do not owe any alleged debt and demand that the alleged debt be deleted immediately or I will seek remedies for the violation of my consumer rights under congress law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: MS
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 regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. 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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
see attached documents

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: 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: Investigation took more than 30 days

Complaint:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all XXXX credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.

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 2022-01-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was refinancing from Santander due to very high interest predatory loan amount and interest ( Predatory to XXXX XXXX in pricing from XXXX even though credit score was in the XXXX range ) and XXXX said they could refinance on XX/XX/2021 so I signed up with them for a lower overall payment on the same term. I was also told there was a 45 day account setup and payment schedule to start XX/XX/2021. Well, my payments are on XX/XX/2021 with a ten day grace period. Santander received the refinance contract on XX/XX/2021. The payoff quote amount was {$14000.00}. Santander sent them a check a few weeks after and they charged two months payments and interest from a {$14000.00}. So that means there was two payments taken out of the check that was money I was suppose to actually receive as the refinance remainder. My loan was even higher because of whatever way Santander worked and they have been shady the whole time. I have recordings from both sides and XXXX XXXX blames Santander for the confusion and creative accounting ( stealing/embezzling ). I did not find out they had given me only {$120.00} of the payoff until the XXXX of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I requested a copy of my payoff loan amount, when I received it I noticed that there is discrepancy between my loan balance and the payoff amount. So onXX/XX/XXXX I talked to the Mr. Cooper 's representative about this issue, after long conversation he could not provide me any document, or convincing explanation of the extra amount of the loan payoff, he just said that this our expense amount. For your information, on year XXXX I lost my job, therefore I could't pay my mortgage payments, for my house, to XXXX XXXX , then government provided the Home Affordable Modification Program, so I applied to this program and I got qualified for it, now after nine years of paying my payments on time, for help of my family members I want to payoff this loan, but in the loan modification contract there is no mention of this expense amount of {$36000.00} dollars, that Mr. Cooper call is it, " Lender Paid Expenses ''. During my loan adjustment XXXX XXXX told me that if I don't default on my payments, there will be no penalty. Also this loan has changed few hands since it's adjustment, and now Mr. Cooper owns the loan, but they are not given me any adequate explanation or any evidence of where in our contract there is mention of this expenses. My request from Consumer Financial protection Agency is that, to help me to find out why should I pay this enormous amount for the servicer of this loan, I thought government helped us not to foreclose our houses, which could cost them to loose more money. Please let me know if you need more information from me. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I went to XXXX in XX/XX/XXXX till XX/XX/XXXX and when I got out I learned someone had stole my account and changed my password and my username and I had called chime and tell them I needed to have my account back and my driver 's license had expired when I was XXXX XXXX so they tell me I have to get it renewed but before I could get it renewed I had went back to XXXX and just now only get out on XX/XX/XXXX and I got my identification card renewal so I've been emailing chime and they just denied me like 8 times already it's {$10000.00} that's owed to me and I need some help getting my money back and who ever stole it I think should have to go to jail I have no idea who it could be I just need my money I have been sleeping on side of road since I got out and I need help plz

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Convergent Resources, Inc.
State: MI
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:
This was an account that was not opened by me and should not be on my credit report. I have investigated the origin on the creditor and have found out that I did not give consent to have this account opened

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 2019-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
the report says unable to fetch my identity or credit score. please include me in the registry

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 2023-11-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My funds from HAF are not being applied accurately and on time by my mortgage servicing company SPS. My account is being assessed late fees and put in delinquency when HAF has been making the payments on time and I have verified with them going back 6 months. SPS will not provide information to me and only suggests I contact OMBUDSMAN department where I have left several messages and received no reply. They never answer the phone. This is a misuse of government assistance and gross negligence bordering on theft and fraud on the part of SPS. I implore their company and its financial handling of government funds be reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX 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 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 explanation