BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Below are a list of inaccurate names and addresses that appear on my credit report. 
There should be no variations of my name. My name is XXXX XXXX XXXX. This is how I would like it to appear on my report. My current address is XXXX XXXX XXXX XXXX GA XXXX. I have never lived at the previous addresses before. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Sombrero Capital LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX and the next year my howmwoners insurance increased and i didnt catch the increase. I received notice from the insurance company that the policy was going to get canceled. I called the mortgage company because i have my account escrowed and they had not made the payment. When i contacted them they made the payment. They did the mortgage analysis and explained how the process works when changes are made and i have escrow. I was advised that every time i had an increase or decrease the analysis needs to be done. This year XX/XX/2022 i change insurance companys and the property tax increased and the full tax for the second payment wasnt made in full and i have late fees and penalty with that. When i changed insurance companies i asked for the analysis and the person who answered the phone said she didnt know what i was talking about. I tried calling several times and didnt receive an answer. Now they sent me some projection saying i have and defiecency of XXXX and have increased the mortgage payment and that number isnt correct also they have the wrong amount for my escrow payments calculated. I am tired of these people they are unprofessional and i feel like they trying to make me deliquent on my payments and it adversly affects my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX and Experian reported the bankruptcy was verified through XXXX XXXX and the courthouse, both entities report they have NOT verified this information with either party. Experian has refused to re-investigate this matter.

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 2021-06-21
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021 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 of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, INC.
State: AL
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had duplicate charges from merchant XXXX XXXX XXXX, I filed a dispute and XXXX closed my account. I filed a dispute with Chime and Chime came back stating that the dispute was denied and that I did not provide enough information and that the merchant never responded to them. It is not my fault that the merchant never responded to them however I did respond with all information that they needed and I have sent in another request for rebuttal and they will not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
After carefully looking over my credit report and after sending several letters. The credit bureau has continued to ignore my letters regarding XXXX XXXX  XXXX XXXX and I have found several errors that they are reporting regarding this charge off on my account. That is why I am filing my complaint and has did the same with my attorney general in the state of Missouri regarding this matter. I also send my letter to XXXX XXXX XXXX XXXX   with confirmation number XXXX in which was ignored as well. But the credit bureau says they have proof of what they are claiming but has failed to submit me any proof. I send the credit bureau a notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ). In which was ignored and I am attaching my letter to this complaint as well that I send. They refused to tell me in writing what information they refuse to remove and why. Also they refused to tell me in writing what they did to determine that the information was accurate. The claim has been UNFOUNDED and so are ILLEGALLY REPORTING. In my letter I stated the following : The alleged yet unproven to be correct, complete, timely, mine, my responsibility, FCRA compliant, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them or not.

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 FCRA, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2021-06-21
Company: Financial Credit Network 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the balance of XXXX XXXX  account number : XXXX its XXXX  and it shows as {$310.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-21
Company: EQUIFAX, INC.
State: KS
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:
My credit reports generated by XXXX and Equifax on XXXX display different information provided by the original claimed creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly suggest conflicting information of 1.High balance, 2. Last activity and 3. Last payment which are inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 
Name XXXX Equifax High balance {$0.00} $ XXXXXXXX Last activity XXXX XXXX  Last payment XXXX XXXX - Credit reports of the three bureaus are enclosed.

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-03-03
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I received a mortgage from the Veterans Administration ( VA ) for my home at XXXX XXXX XXXX XXXX, XXXX PA XXXX. After making 22 years of payments on my loan, my mortgage was transferred to a new mortgage company Shellpoint Mortgage in XX/XX/XXXX. Shellpoint Mortgage has stated that they have no record of my 22 years of payments. Shellpoint Mortgage states that I owe them {$71000.00} and I am on a new 30 year mortgage plan. My original mortgage amount in XX/XX/XXXX was {$65000.00}. Shellpoint Mortgage is committing fraud against my mortgage, they have stolen 22 years of my mortgage payments and fraudulently put me on another 30 year mortgage. I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Shellpoint Partners, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may payment on a credit card acco open end consumer credit plan Purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call to my mobile phone looking for my wife. I was told it was concerning a small business matter and they failed to identify. I stated please tell me what company do they represent and what business matter, and they refused to answer repetitively. I Did say my wife is not at my number. I stated since they are refusing to properly identify themselves that any numbers they have on file are to no longer be used to make contact and furthermore only contact regarding the small business matter through mail. And any further attempt to contact by phone in this small business matter can be met with civil litigation. I was then told the are from Portfolio Recovery Systems. At this point I was also told they are ending the call. This happen XX/XX/19. They just called again XX/XX/19.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a XXXX XXXX membership for a while and when I stopped going to the gym for three months, I received a notice of collections but did not receive any phone calls or letter that my account was past due, neither was the funds being taken out of my account. when I went to pay my new due. The gym representative said it was already in collections. I was in collections for XXXX . I called the company and was getting charged {$500.00} I do not want to pay more than what I owe.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX removal letters via certified mail asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' All letters were also sent with a green return receipt and only one of the companies has signed saying they received it. Under federal law, these corporations have violated me as a consumer. XXXX/Equifax agents have all infringed on my right to privacy since they are signing for letters that I did not send to them, but to the corporations. I have disputed the items on my report many times with little to no response from each company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Corporations can not validate any alleged debt without the consumer 's validation. I have not been able to relocate my family to a safer environment due to denials from rental companies. These companies have caused me and my family many hardships due to the alleged debt being reported on my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.

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 2021-07-26
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a purchase via XXXX for an XXXX on the XXXX of XX/XX/2021. The description says the phone is unlocked but unfortunately its locked and I cant use it. I reached out to the guy that sold it and he told me XXXX come replace it and didnt come and blocked all communications. I can not reach him again. I sent the money via XXXX  of {$230.00}. I reached out to my bank already and they contacted the receivers bank ( regions bank ) but no response yet. How can I get my money? Things are really difficult especially during the pandemic.

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 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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