BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I repeatedly disputed the address and as well as information pertaining to an account on credit report Equifax has not been complaint under the guidelines of metro 2 format compliance as well as have not been compliant to my rights under the fair credit act section 623 ( 1A ) ( B ) ( i ) ( ii ) 3 as well as under the fair credit act has not provided section 609 ( A ) 1 sec 611-2A1 ( 2B have not provided me anything proper documentation that represents action taking against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Idaho Housing And Finance Association
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single parent of XXXX young children and fell behind due to XXXX. I received an RMA ( request for mortgage assistance form ) and sent it in more than 30 days out from my foreclosure sale date, but the lender kept saying they did not receive my forms. I then turned to a loss mitigation option to Short Salethe property as its condition was inhibiting getting a full payoff w/ all the fees etc. The highest offer is XXXX XXXX CASH but may not close until slightly after the XXXX  as they notated foundation issues. XXXX XXXX sent in ALL the paperwork and we are trying all we can to help prevent my children and I from foreclosing and becoming homeless. The delinquent balance is currently {$30000.00}. I do not have the resources or money to get this paid. Please consider postponing the XXXX  date as a one-time request and/or accepting the $ XXXX CASH OFFER to allow us to get the home sold for its true fair market value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: COMMERCE BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up a {$75.00} payment towards my Commerce Bank credit card balance on XX/XX/2021 using my credit union 's Bill Pay electronic transfer service. 

My credit union shows the payment being applied on the Commerce Bank account due date of XX/XX/2021. 

Commerce Bank claims this payment was not received on time ( with no evidence provided ) and was not processed until XX/XX/2021, incurring a {$30.00} late fee. 

One Commerce Bank representative told me over the phone that the bank does not have to process any payments it receives until they choose to. 

In this case, it appears that this payment 's processing was purposely delayed, including over the XXXX XXXX holiday weekend, in order to assess late fees from myself and perhaps many other customers. 

Commerce Bank concluded without evidence that there was no " bank error '' and therefore would not refund the late fee. 

I have since terminated my account with Commerce Bank and advise others to avoid their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, 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 am XXXX XXXX XXXX. I have never had a car or owned a car, I have never had a house or utilities under my name, I have never had a loan, or mortgage, or any type of credit card. The only bank Ive ever had was XXXX and I know I was negative there one time like {$400.00} thats it and I had one other bank which was XXXX and was negative but paid the negative balance then closed my account! I also never graduated high school so any loans in my name of any kind or trying to get a loan are false and incorrect. I lost my wallet more than three times in three years and Im sure someone has hacked my identity and I dont even know how to report it but recently Ive wanted to look at my credit and to see about how to improve it but I see all these inquiries on here and I have no idea where they are all coming from I live in XXXX ohio XXXX XXXX Ohio was my address as a minor along with children services, and as an adult Ive been on the streets or in and out of hotel rooms or with friends in Ohio but no where else. Please find out about helping me please and help get my identity back please

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im 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 U.S.C 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.S 1681 ( a ) ( 5 ) section : 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 antedated 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 reporting agency if the person knowns 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 2022-07-18
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed online and had sent payments through Zelle with my XXXX XXXX. I disputed all transactions and still havent gotten my money back. Please help me. I sent payments on XX/XX/XXXX and XXXX. XXXX of {$100.00}, 2 payments of {$200.00} and 2 payments of {$400.00}. The scammer had asked me to deposit XXXX into my account and sent it to them through Zelle. Little did I know those same checks that were deposited into my account for their transfer had be returned to them which made it deduct {$1500.00} out of my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX reporting {$640.00} XX/XX/2023 Debt inaccurate /debt not validated XXXX XXXX XX/XX/2023 {$300.00}. 
Debt not accurate incorrect amounts Debt not accurate XXXXXXXX XXXX XXXX XXXXXX/XX/2023. {$520.00} Incorrect reporting debt not accurate dates inconsistent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NY
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:
Experian / XXXX did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.

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 2023-01-20
Company: Assured Financial LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX stating that they are collecting a debt of {$3900.00} with XXXX XXXX XXXX for a service dated XX/XX/XXXX. 

I responded in writing on XX/XX/XXXX to XXXX XXXX XXXX stating that this is not my debt and that I had never been contacted by XXXX XXXX XXXX and have no evidence of the validity of their claim. 

On XX/XX/XXXX, I received a response from Assured Financial LLC ( a different entity than the initial notice ). Their response included a copy of the doctor report of a medical procedure that was done on me XX/XX/XXXX. However, there is no mention of XXXX XXXX XXXX nor any indication of the source of the alleged {$3900.00} debt. It's just a report made by the doctor describing the procedure. 

The response from XXXX XXXX XXXX had a notation " PAST DUE '' in large bold letters and threatened additional finance charges, additional notice of debt, negative credit reporting and/or legal action. However, nowhere on their response was there any indication of the source of this debt nor any proof that is was incurred. 

The response from XXXX XXXX XXXX was from XXXX XXXX XXXX. The address is listed as Assured Financial LLC XXXX XXXX XXXX XXXX XXXX, OK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I submitted a request for a credit limit increase on my Discover credit card account both online and with a Discover agent. 
I knew that my credit score was more than 750 and that I have had no problems with any accounts, at all, for more than ten years. 
My Discover credit card account has been open for years with no problems and my present limit is {$5500.00}. 
Both of my requests were denied. 
I inquired, from the agent, as to the reason that my request was denied and they stated that the denial was based on a matter from XXXX when I included my Discover Credit Card account in my Chapter XXXX Bankruptcy, which was fully discharged in XXXX. 
I received a letter from Discover Credit Operations Team, dated XX/XX/XXXX, that stated the following, " Unfortunately, at this time we are not able to approve your request for a credit line increase due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT ''. 
My bankruptcy, which was fully discharged in XXXX, and the XXXX issue with my Discover Credit Card account included in my bankruptcy, are both more than ten years old now, so why did Discover deny my credit card limit increase based on information that is past statue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ALLY FINANCIAL ACCT XXXX XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX TAX FOR XXXX ) Breach of trust {$500000.00} liability XXXX XXXX. subsection c laundering of money under XXXX XXXX, civil rights act XXXX, and trespassing. 
according to ( XXXX XXXX XXXX ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. 
Tax owed by taxpayer {$38000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, XXXX, XXXX, XXXX Original issue discount Forms XXXX violation of XXXX, XXXX civil rights Acts. stealing XXXX funding 40 % of taxpayer money and putting it in a private XXXXXXXX XXXX and XXXX. 
The tax forms XXXX, XXXX, XXXX, and XXXX, were filed with the IRS on XX/XX/XXXX. 
Also, I have them mailed out a check for full payment of {$38000.00} to ally that was delivered to the on XXXX XXXX at XXXX pm After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX ] - right to rescind the contract On XX/XX/XXXX Ally financial without notice unlawfully stole my automobile from the parking lot at XXXX XXXX XXXX XXXX, XXXX Florida 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 explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request this time to correct the following inaccurate information that is harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-07-17
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-10-06
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I contacted 21st Mortgage to let them know my hours have been cut because of Covid and I would be unable to make my mortgage payment. 
They didnt have any answers for me because they did not know what was going on either and then in XX/XX/XXXX I contacted them again to let them know as soon as I receive my stimulus I would be able to pay them unfortunately I did not receive my stimulus until XX/XX/XXXX a year later. 
My main problem is that my mortgage is not federally backed it is not XXXX XXXX or XXXX XXXX. So they are not following the government guidelines either! 
Ive even contacted them in XX/XX/XXXX and I also had HUD out of XXXX California on a three-way call to contact them to help me get help with my mortgage and they just kept saying no they had nothing to help me and that I would just have to pay the full amount including the lawyer fees and late fees in order to catch the mortgage up And reinstate it! 
Now in XX/XX/XXXX I receive a statement on my home that they were going to start foreclosure proceedings and I contacted 21st Mortgage again in XX/XX/XXXX asking them if they had anything that they could help me with or if we can make a settlement on the {$12000.00} they wanted and they just said no in order to reinstate my mortgage I had to pay the amount in full! 
21st Mortgage is being very stubborn and not helpful in anyway with this pandemic that is thrown this country into a horrible state!!!! PLEASE! SOMEBODY HELP ME KEEP MY HOME!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
They are charging me for equipment that own, all the equipment is locked to them, items dropped off at there facility and they've written off the account In accordance with the Fair Credit Reporting Act XXXX  ( XXXX  ( Original Creditor : XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX and I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. 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.idtheft.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I need the following items removed as soon as possible : XXXX XXXX XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX : {$470.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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