BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-21
Company: EQUIFAX, INC.
State: MN
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 contacted XXXX in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. 

I borrowed money from my mother and had her to contact XXXX to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following Minday. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. 

I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I attempted to use my TD bank Visa Debit card as I usually do on Monday XX/XX/23 but each transaction was denied/declined.I could not withdraw money on my Checking account which is a Direct Deposit account for my Social Security account disbursements.I contacted the bank and they alleged that some unidentified party had made a charge on my account in the amount of {$190.00} and that they had attempted to contact me.I was curious to know how they ( TD bank ) new of a discrepancy in the charge without my telling them to conclude that my account should be put on hold..They had access to my Cell phone and my email address and did not attempt to contact me to my knowledge.My previous experience with them indicates to me that they would not give me that type of accommodation in their servicing of my account. 
TD Bank insisted upon deactivating my debit card without giving me Legal notice resulting in significant detriment to my account and financial situation.I notified Customer service after being informed of the discrepancy by them and told them that I would be visiting the Bank 's branch office in the XXXX at XXXX XXXX and XXXX XXXX XXXX and was told by them that I would have no trouble getting a new Debit card.I met with the Manager " XXXX to get the card but he refused to give me the card, saying that they could not verify my account through my cell phone and alleged that he would mail one to me instead.This whole tenuous situation could have been avoided if TD Bank would have adhered to proper Banking Notice requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone use my name while I was in federal prison, I advise the credit card company XXXX XXXX Bank and the prison sent them all paperwork to prove it was not me they said it was fraud and would have the account removed from the collection agency, low and behold the collection agency is trying to collect money from me and reporting this fraud account to my XXXX credit report for {$810.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed many times both XXXX & writing that the delinquent payments during 2020 with XXXX XXXX XXXX were made under the 2020 " COVID CARES ACT '' and accommodations were granted. 
TransUnion refuses to correct the payment history correctly and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020! 

In 2020 I worked monthly with XXXX XXXX to make ACCOMMODATIONS for payments under the " COVID Cares Act ''. As stated directly in the COVID " CARES ACT OF 2020 '' ( beginning XXXX ) : Quote : Lenders will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as Required by the CARES ACT. Such payment accommodations will AVOID the REPORTING of DELINQUENCIES resulting from the effects of XXXX. 

I have disputed this with TransUnion many times and they still will NOT REMOVE the DELINQUENT NEGATIVE PAYMENT HISTORY from 2020 on my Chase Auto Finance Account! 
This is XXXX and XXXX. 
If a correction is not made IMMEDIATELY I will be forced to seek LEGAL ACTION and recovery of FEES for damages. 

I have been a loyal customer and have XXXX payments left on this account. 
XXXX XXXX has agreed to remove these late/derogatory payments & has sent notice to all XXXX credit bureaus without correction to my file. 
I have even contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Still, TransUnion refuses to remove these negative/late payment remarks for 2020.

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 2023-05-02
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As of today XX/XX/2023, PHH Mortgage continues to mislead and prolong information needed to Apply for the XXXX XXXX XXXX XXXXXXXX. Ocwen is the origin loan servicer for my loan. PHH Mortgage Services ' information regarding my loan has multiple legal violations in which my mortgage payment her not accurately reported on my statement. A letter was sent to my home on XX/XX/2023 stating that I didn't give them legal consent for my fiance to get information which is totally false. I have given them written consent to allow my fiance to have consented to the information. PHH Mortgage Service continues to use tactics to not resolve issues that are being stated. XXXX XXXX from PHH Mortgage Services continues to avoid giving me the information requested. I have contacted PHH Mortgage Services for years and the refusal of providing the information requested was not provided. PHH Mortgage Services continue to violate the federal consumer financial protection act and state laws governing unfair and deceptive business practices. As of today XX/XX/2023, PHH Mortgage Services failed to promptly and accurately apply for my loan payments, failed to maintain accurate account statements, didn't provide accurate and timely information to me who sought information about loss mitigation services, such as loan modification, provide false or misleading information to me for loan transferred from other loan servicers, improperly denied loan modification several times to me, provided false and misleading reasons for denying loan modifications, failed to honor modifications that were already in process and that had been agreed to by prior lender and servicers that had transferred loans which was Ocwen my original servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: EQUIFAX, 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:
There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report, and this account is reporting as open, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-16
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions Inc.
State: TN
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 writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.

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 2021-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 purchased skincare products that was guaranteed to make your skin look younger and less wrinkles. Was told to use it for at least a month. So she did and it didn't work at all. So she filed a dispute and the card company say they couldn't do anything about it because the company didn't have a return policy. However I didn't know anything about it. XXXX XXXX isn't very educated she can't read or write and wasn't told anything about no return policy or she wouldn't have purchased something you couldn't return if it doesn't work. She spent {$2600.00} this company was preying on her because she is elderly and not educated. The credit card company is Bank of America. The company was XXXX XXXX. This is XXXX XXXX 's daughter helping her fill this out. Thank you very much.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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:
Disputed incorrect items on my report. Information was only updated, did not furnish any evidence that proves information is accurate

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 2022-03-12
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
In XXXX of 2021, I received a signed letter from XXXX  XXXX the District Manager of the Bankruptcy Court of XXXX stating that they do not furnish information to the Credit Reporting Agencies. She clearly stated that you can access the information for a fee of XXXX} on the XXXX  website or you can use the public terminal at the courthouse free of charge. 

On XX/XX/2021, I got results back from CFPB Case # XXXX in which I disputed this same bankruptcy with XXXX who is the vendor to all three major Credit Reporting Agencies . The results were this : Our records show on XX/XX/2021 and XX/XX/2021, XXXX XXXX also contacted the XXXX Consumer Center directly, in which he wanted to dispute the reporting of the same bankruptcy record. 
Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/2021 If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions 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:
Hello! : - ) The FAIR CREDIT REPORTING ACT didn't give Experian enough incentive to correct and provide the accurate score. The score indicating XXXX after approximately 17 hard inquiries and a ( n ) XXXX XXXX collection deleted. I want the accurate score to be indicated, cards and all. XXXX : XX/XX/1977, XXXX. Address : XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX. 
XXXX. 
Sincerely, 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 explanation
Consumer complaint received 2022-03-12
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX was my insurance back in XXXX, I cancelled after 6 months because I went bankrupt, cancel my insurance via phone and via email to my agent at that time XXXX XXXX, Well their receptionist told me I could not cancelled that I needed to send a letter to XXXX, and if not they were going to ruined my credit, i mailed a letter of cancellation to XXXX XXXX and I specifically told them I did not gave XXXX XXXX permission to sell my information to any 3rd party. The office from XXXX XXXX closed and forget to cancelled my insurance. 
I was not even driving and returned the vehicle back to dealer.Well 3 1/2 years letter and they sold the so-called debt to Credit collection Services without my permission and now they are calling me constantly and sending me letters to paid the {$1300.00} that supposedly is owed to XXXX XXXX for the cancelled insurance from XX/XX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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: Account status incorrect

Complaint:
In early XXXX I moved out of three palms apartments and paid my move out fees with a cashiers check. Due to bad record keeping they did not update the account. 

In XX/XX/XXXX I received a notice, from XXXX stating that I did not pay the debt. 

I contested this debt with Experian, XXXX and XXXX who all determined it was invalid. 

XX/XX/XXXX. I apply for an apartment and I am denied because this is on my " Experian Rent Bureau Report. '' I challenged it with Experian Rent Bureau who said they will not remove it because XXXX claims they did not receive payment. I asked their customer service agent about the proof i submitted and they stated that they only forward it to the reporting agency. Even with proof Experian Rent Bureau does not remove incorrect or false information.

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 2023-04-19
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:
I have repeatedly requesting from XXXX XXXX to remove a incorrect inaccurate bankruptcy off my consumer credit report. I have emailed my disputes to them with no notification via email or mail that my disputes have been handled nor has the false bankruptcy been removed from my consumer report to my knowledge. Further more then 3 credit agencies, XXXX, Transunion and XXXX all continue to verify this bankruptcy all siting that XXXX XXXX their third party vendor has verified with them. This is not only a violation of my federal rights knowing full well that the court house does not subscribe to any of the credit agencies nor XXXX XXXX, and yet this false bankruptcy continues to be reporting on my consumer credit report. 

XXXX XXXX does not have my consent to share ANY information to ANY third party company and or credit agency. Furthermore XXXX XXXX is neither the direct furnisher of any public records. 

How many times do i have to dispute this false inaccurate bankruptcy off my consumer report before it actually gets removed.

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