BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYE DATEXXXX HUNTER WARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HUNTER WARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed ITEMS get corrected. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX : {$37000.00} XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX : {$520.00} XXXX XXXXXXXX XXXX  : {$1000.00} XXXX XXXX XXXXXXXX XXXX  : {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$37000.00} XXXX XXXX XXXX XXXX  {$17000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX  : {$990.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX XXXX  {$36000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX  : {$300.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX : {$870.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account with XXXX XXXX XXXX for repossession is reporting inaccurate information. I have a right to an accurate credit report by law. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, 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 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 2023-09-01
Company: EQUIFAX, INC.
State: FL
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:
I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX {$61.00} XXXX {$61.00} XXXX {$120.00} XXXX {$230.00} XXXX {$240.00} XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$2400.00} Please remove from my credit report inaccurate information

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 2023-03-14
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off an auto loan on the XXXX of XXXX due to finding a buyer for my vehicle on the same day. Bank of Hawaii took a very long time sending the title. They did not send it until the XXXX or XXXX of XXXX. As of today XX/XX/2023 I have still not received the title. Bank of Hawaii representatives were not able to help me or send the original because they claimed that the title of the vehicle already has been sent. I had to figure out on my own that the original title may have been lost in the mail. No options have been given to me other than finding out once again on my own that a 'Lein release letter ' was the last option. This bank was incapable of helping me on that either!

Days turned into weeks, and weeks turned into months. Just completely ridiculous for something that is simple. Meanwhile I ( The seller ) and the buyer are subjected to DMV fines in the hundreds due to neglect from this bank. I WILL be suing this Bank on the side! 

How is it that a financial institution is so quick and effective to bill and charge their customers but when it comes to things like this they are either very slow or they come up with multiple excuses and processing times .... Not professional and there is no answer that they can give that would make it right, It would probably be another run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I been communicating with Experian for some months now cause they have a fraud shield on my credit report. they deleted my home address with all my credit cards, they also dont post my employer on my report. they are showing my account and my file as high risk. i will get to the bottom of this and file a lawsuit. i see. they already got one for XXXX XXXX dollars for this. i will be contacting the state attorney to gather up evidence quickly. i been denied 3 times loans and they said that my identity could not be verified and experian was the report pulled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: AMERISAVE MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a call from a representative that works for amerisave on XX/XX/XXXX. The representative assured me that he could lock in a rate and beat any rate I was offered. I paid {$500.00} for a rate lock and received it in my email a few days later showing I was approved for a loan for {$190000.00} at a locked interest rate of 4.375 %. The letter showed that I was eligible for this rate lock until XX/XX/2022. This morning I was informed that they couldnt honor their rate lock and that my interest rate would be going up 1 % to 5.375 % even though Im still in my rate lock period. The letter also states that I would be guaranteed a {$1500.00} payment if the loan failed to close. Well, it didnt close because my rate was changed on me and they refused to fund my loan at the agreed upon rate but was told that I would not be receiving this {$1500.00} payment. This lender also ran my credit without my permission on XX/XX/2022. This company is using very deceitful practices with their certified preapproval letters and their rate lock system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my personal credit report, which I acquired from your organization on XXXX Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have no dental insurance so my dentist suggested that I get care credit through XXXX XXXX I was told that it was six months interest free but then I got slammed with charges right away for any bills under XXXX I was not aware of these terms then after the six months I was slammed with so much interest Im not able to pay off the actual loan I tried to contact the company and they told me I didnt know what I was talking about I feel like Im being scammed. I need something done about this company.

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 2023-09-01
Company: EQUIFAX, INC.
State: OR
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:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXXXXXX 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 2023-02-03
Company: MIDFIRST BANK
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the process of buying a new home for my XXXX children, wife and myself when the lender informed me that XXXX  Mortgage is reporting I made my XX/XX/XXXX payment late on XX/XX/XXXX. This is absolutely false and I have the confirmation email from XXXX  Mortgage dated XX/XX/XXXX that the payment was made. I spoke to multiple agents first being XXXX who was the rudest excuse for a XXXX agent Ive ever encountered. She raised her couch at me and insisted I made the payment on XX/XX/XXXX and would not even listen to me that I made it on XX/XX/XXXX and had the confirmation email to prove it. She spoke over me, outright refused to connect me with a supervisor after many clear requests and basically called me a liar and kept saying Whats crazy is Im looking right at it and you scheduled it on XX/XX/XXXX. Another agent, XXXX ID # XXXX ( on XX/XX/XXXX ) stated she could see that we made the payment on XX/XX/XXXX and this happens sometimes because of the holiday and weekend and they were closed on XX/XX/XXXX and XXXX so it didnt post until XXXX but it was made on time in XXXX. She told me the payment will not be reported as 30 days late and would be auto back dated. 
However, when I did a conference call with XXXX who was confirming for the lender, that agent ( also named XXXX but different from the previous XXXX XXXX said she does not see that and reported that the payment was made 30 days late on XX/XX/XXXX. She would not do anything to help or verify the information I was giving and even refused to allow me to forward them the XX/XX/XXXX confirmation email stating that the cashier she was escalating to would be able to see it. She would not provide a timeframe at all for resolution even when I explained this was preventing us from closing on our new mortgage. I called again on XX/XX/XXXX and again explained we are waiting for this issue to be resolved and that I have been calling for XXXX weeks and being told different answers and no one is helping. I begged the girl to help me resolve it today as our closing date was the next day, XX/XX/XXXX. She put me on hold and then stated her supervisor had escalated the issue to the cashiers and would call me by the end of that day. That was XXXX days ago and I still never heard from anyone. As a result of this, my new home loan was denied and I am now left with my family of XXXX staying in my mother in laws XXXX bedroom home with her, all in our things in a XXXX XXXX, we already enrolled our kids in new schools, set up utilities, changed address with the post office and the sellers of the home we were to purchase already moved out as well. Our lives have been absolutely turned upside down because of this.

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 2023-03-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I still have issue with Wells Fargo auto loans. I received a letter on XX/XX/XXXX. Case number : XXXX. They said that they completed their research and during our conversation on XX/XX/XXXX I stated that I attempted to make three payments a couple days prior. At the time I would have attempted the three payment the loan would have been due for XX/XX/XXXX, XXXX, XXXX, XXXX ( this is the month the charge off occurred ) XX/XX/XXXX. Once the loan is charged off, they would need the full past due amount. They have enclosed copies of the transaction and sales contract. 
Therefore, I made a payment for {$5000.00} last week and today I called XXXX XXXX the executive Office case specialist and the person who answer me told me XXXX is not more my case specialist because the case was close. And I told the lady why XXXX is not my case specialist if he send me a letter to explain the resolution and I have a question and need to talk to him. So I open a new case.

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