BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
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:
This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the erroneous PR reporting on my Credit Report : Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2014

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 2022-09-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report these items has been stopping me from purchasing my home for my family. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
BY NATURE OF PREVIOUS CFPB REPORT XXXX, XXXX XXXX Fl AND OTHER VENDORS INQUIRED ON MY CREDIT WITHOUT AUTHORIZATION. YOU HAVE COMPLAINTS TO THIS EFFECT. YOU SENT MY COMPLAINT TO THE FTC. By nature of their own admission and statement not even with a lockout can this Credit Reporting agency stop these inquiries yet they continue to lower my score! I consider this intentional fraud since they inhibit my ability to secure funding due to lower credit scores. Also their third party they feed information to are also even more incorrect then they! PS I never use XXXX XXXX as a XXXX Creditor! Attempts to remove from on line and dispute incapable! They do not allow.

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 2021-12-06
Company: EQUIFAX, INC.
State: CA
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX Equifax have exceeded my patients please note and publish I am being represented by council referred by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to follow Case # XXXX do to the practice areas I retained a attorneys that practices in California representation was mailed out, XXXX has called me twice and made XXXX  and lyes in there investigation process, due to the proven fact noted by C.F.P.B my prayer or relief Decretory judgement that defendant violated th FCRA, 15 U.S.C.1681e ( b ) An award of actual damages pursuant to 15 U.S.C 168n ( a ) ( 1 ) or 1681 o ( a ) ( 1 ) An award of punitive damages, as allowed by the court pursuant to 15 U.S.C 1681n ( a ) ( 2 ) an award cost and reasonable attorney fees pursuant 15 USC and such other and further relief as the Honorable court may deem just and proper including any applicable pre judgement and post judgement interest, and/or declamatory relief I will demand jury trial on all issues

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a notification that a new debit card was being mailed out on XX/XX/22 from Truist to an address that was not my home. I called them and dealt with their team to take appropriate actions and updated all of my account info. 

They took no money, but a week later tried to open another account in a different truist branch

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 2022-05-15
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received my fax refund check from the IRS and deposited it into my US Bank account promptly. US Bank placed an extended hold on the funds from my check. Several days after depositing the check into my account I decided to use the XXXX feature from inside my US Bank account mobile app. I tried to send my brother {$2000.00} as a wedding gift, as he was just married. US Bank prevented the transaction, after which US Bank disabled my access to my online banking and froze my account. I contacted the fraud department and confirmed the recent activity as legitimate, however the representative stated that the account would remain frozen as it is pending closure due to suspicious activity. Obviously since I just confirmed the activity as legitimate the activity is not suspicious, US Bank is attempting to without my money from me as it has placed an extended hold on the funds and froze the account, the funds will clear and post as they were intended to on XX/XX/2022, however I will not have access to them because the bank has taken the actions that it has. This has caused me extreme financial hardship as I do not have access to my money.

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 2021-12-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My loans have been serviced by American Education Services ( AES ) since I initially took them out- with the announcement that loan payments that didn't previously quality for Public Service Loan Forgiveness will now qualify as long as loans are consolidated into direct loans, I initiated loan consolidation to direct loans for the purpose of PSLF ( I have been working in public service for over ten years ). I received my loan consolidation confirmation on XX/XX/21 ( loans are now serviced by FedLoanServicing ) and started using the Department of Education Public Service Loan Forgiveness Help Tool in order to confirm my qualifying employer and submit the request for loan forgiveness. Upon completion of the help tool, it informed me that my loans did not qualify for PSLF because they were not consolidated direct loans. I signed in to studentaid.gov and my loans are still listed as being held by AES. I contacted the Department of Education support center and they informed me that many other people have been contacting them with this same issue- that their loans are not being updated in the National Student Loan Data System after consolidating to direct loans. They suggested I contact AES and tell them my information needs to be updated in order for me to complete the PSLF process. 

I contacted AES on XX/XX/21 and told them my information needed to be updated in the National Student Loan Data System in order for me to complete my PSLF application and have my loans forgiven. They informed me that I have a {$0.00} credit on my account ( they owe me {$0.00} )- they could not explain why the payoff amount from the loan consolidation was not correct to reduce my balance to {$0.00}. Because there is a {$0.00} credit on my account, they said after one month they will discharge that amount to {$0.00}, and then one month after that they will update the information in the NSLDS. I won't be able to complete my Public Service Loan Forgiveness application for 2 additional months because they asked for the wrong amount to pay off my loans. My loans are consolidated with FedLoan Servicing. Both companies are owned by PHEAA. They are at the same location. 

AES told me there's nothing they can do to discharge the {$0.00} amount they owe me or update my information with the Department of Education any quicker than 2 months. They don't own my loans anymore and they are holding up my ability to apply for PSLF. I've been a dedicated public servant for over ten years and the recent announcement expanding PSLF is a huge help to me, and this large company with a checkered past is preventing me from taking advantage of the opportunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2023-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was texted by a number claiming to be chase fraud about two transactions on my account. I then received a call claiming to be Chase Bank fraud so I followed all instructions and they told me we were closing my accounts and transferring all my money into new accounts so once I transferred {$25000.00} to a XXXX XXXX XXXX XXXX account I checked my accounts and there were no new accounts so I hung up and called chase and they informed me it was not them who called me. Chase Bank was unable to recover the funds and denied my claim when this is definite fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Parties involved : Capital One Auto XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX allegedly sold Repurchase Agreement to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX and who used XXXX XXXX XXXXXXXX XXXX XXXX to seizure our family automobile on XX/XX/. 

On XXXX XXXX  our family automobile was seized by XXXX XXXX XXXX XXXX with no Notice from Capital One, No lawful or for Repossession and No security lien filed in the Commonwealth of Pennsylvania by Capital One. 

Capital has not sent any certified mail to the consumers nor have sent any notfication that a Repurchase Agreement with XXXX XXXX XXXX XXXX. To date Consumers have been without there private automobile and have no known whereabouts of its locations because all parties mentioned above have concealed the property and have acquiesced to my certified mail sent to there executives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: Resurgent Capital Services L.P.
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:
On XX/XX/2022 I pulled my consumer report and noticed that RESURGENT/LVNV FUNDING is furnishing negative information to the consumer reporting agencies. I am aware that as a consumer I have the RIGHT for my information to not be displayed. I also did not give permission for RESURGENT/LVNV FUNDING to furnish any information on my reports. Also the timing of these payments reported are inaccurate and should not be displayed as past due or in collections. This is a direct violation under 15. U. S. Code 1666b. Please be advised that my consumer should be equitable to me at all times. I would like for RESURGENT/LVNV FUNDING to cease all communication regarding this alleged debt. A Cease and desist letter is attached to this report. I also am exercising my rights refusing to pay this alleged debt that was parked on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2023-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I am beyond upset that the SPS and or/ the investor of my loan has completely blown off any assistance in modifying my loan. It's blatantly wrong and unethical for SPS and/or the investor not to try to help work through the unfortunate setback that caused me to fall behind on my mortgage. 

The law firm that is assisting me submitted a complete loss mitigation application for me on XX/XX/2023. On XX/XX/2023, 2 days later, a denial letter was sent out. The letter gave no explanation of why it was denied for a loan modification. It just stated that I was denied due to not meeting investor guidelines. When my law firm asked SPS for the specific investor guidelines, they said they don't have them and don't know what they are which is completely unacceptable. 

It is obvious that the investor and/or SPS had zero intention of reviewing me for options to be able to keep my home. 

I was told by my law firm that when someone is denied for a loan modification or other options, there are reasons that are outlined in the denial letter, which is not the case here. They said there are certain things like too many previous loan modifications, debt to income ratio is too high, etc. None of these are true for me. I have a very large surplus of income now and have zero issues with making my payments going forward. I just need help getting the loan current through a loan modification. There is no reason I should not be approved for this option. 

I need to know all of the guidelines that the investor is using that is preventing me from getting the help that I need to get the loan current. I can afford my mortgage with no issues even if the interest rate were to increase to fair market rate. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief