BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-27
Company: Title365 Holding Co.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
~XX/XX/2020 - I applied for a new mortgage with XXXX ~XX/XX/2020 - Loan closure ~XX/XX/2020 - Loan funded ~XX/XX/2020 - Contacted Title365 as title search records does not show the property placed back into trust. No return phone call. 
XX/XX/2020 - Contacted Title365 to follow up. No return phone call XX/XX/2020 - Emailed XXXX XXXX XXXX Closing Manager ) for follow up XX/XX/2020 - XXXX emailed me and notified the deed was recorded incorrectly and following up with recorders office for remedy. 
XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - Emailed XXXX asking for a status XX/XX/2020 - XXXX emailed with two options waiting for the lender to provide a releaseXX/XX/2020 - Emailed XXXX my frustration as this is dragging out too long. No response Loan # XXXX I've made numerous attempts by phone, and email communication to remedy the negligence with Title365, but they have yet to provide a solution and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX  XXXX. I deposited the check into my checking account ( XXXX  XXXX XXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX  XXXX XXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX  XXXX XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and 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 2023-11-27
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Was charged XXXX dollars by XXXX for a hotel room that was supposed to be at XXXX XXXX New York tried to cancel 20 mins later on XX/XX/XXXX because it was in XXXX and didnt have a passport, XXXX said I had to open dispute with my bank ( PNC ) which I did for 90 days and was told if merchant does not respond by 90 days I would get my money back I opened a claim XX/XX/2023 and it was denied XX/XX/2023 because they couldnt reach merchant

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-27
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt collector engaged in abusive. deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is showing an account on my consumer report that is a result of alleged identity theft. I did not benefit from the transactions. I have sent Equifax written correspondence which included my proof of identity, an identity report, and a statement as the law requires. They are required to block and delete these accounts within XXXX business days of receiving my notice. Also, I have sent a copy from the small claims court in XXXX  that the account does not belong to me. 
My rights under 15 U.S.C. 1681b. This law prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
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:
In accordance with the Fair Credit Reporting act 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 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 explanation
Consumer complaint received 2023-01-04
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 is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-25
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: Their investigation did not fix an error on your report

Complaint:
My primary personal credit card 's balance ( a XXXX XXXX Visa ) is reported to the 3 credit bureaus based on the outstanding amount owed when the statement closes. This date is between the XXXX of each month and 95 % of the time is the XXXX of each month. 

However in the month of XX/XX/2020 a balance was apparently reported ( incorrectly ) mid statement, on the XXXX. XXXX XXXX XXXX executive office assured me that they did not report a balance on the XXXX. However all three credit bureaus showed that they did. 

I disputed this incorrect balance with all three bureaus and Experian reviewed and closed the matter as of today. While Experian is now correctly reporting my XX/XX/2020 statement balance, Experian did not correct the corresponding ( and erroneous ) deduction of points from my score based on the error. Were this a matter of a few points I wouldn't go to this trouble. 

However - Experian deducted 25 points from my credit score solely as a result of the erroneously displayed balance increase from under {$500.00} in XXXX to under {$1200.00} on XX/XX/XXXX. The correct balance for XXXX of under {$200.00} is now reflected by Experian and yet the issue of the massive damage to my credit score has not been resolved. 

I believe I am entitled to a fair resolution of this issue under the FCRA and am requesting CFRB intercede on my behalf. At this time I am only asking for the CFRB to take action as it pertains to Experian as the other two bureaus have yet to complete their response to my disputes.

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 2020-02-06
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX my credit card account was opened with a {$500.00} limit. Hadn't used it since I was only using it for the credit from its existence. On XX/XX/XXXX I went to increase the card 's limit to {$2500.00} ( Hard inquiry to XXXX ). 

Within a month, I discovered all three credit bureaus were reporting that the credit account 's opening date was changed to the date of the credit increase. A huge no-no, considering this account is one of two ( Three including an auto lease, which expires later this year ) with the account in question being the oldest. I immediately contacted all three credit bureaus and started disputes with them to correct this information. 

XXXX and XXXX promptly confirmed the original opening date and corrected it within their credit reports. Although XXXX seems to have reverted the correction in the very next report. I am unsure if XXXX has adhered to their correction. 

Now here 's the beef. When I went to file a dispute with Equifax on XX/XX/XXXX explicitly about the account 's opening date, they concluded on XX/XX/XXXX : " Verified the date of last payment. '' without correcting the necessary information. I opened another dispute on XX/XX/XXXX, making myself even clearer. Same response received XX/XX/XXXX. I nearly just made a third with bountiful supporting documentation, but it wouldn't let me attach any documents because of a few " Bugs ''. 

The bank is reporting the account 's information opening date to the credit bureaus correctly and continues to do so. Equifax, XXXX, and XXXX have received disputes from me regarding the matter. XXXX  and XXXX seem to have corrected the issue, but I can not monitor the former 's consistency ; the latter has resumed reporting the incorrect opening date ; and Equifax has " Verified '' irrelevant information after two separate disputes were filed. 

I did some digging about Equifax 's troublesome process ( Or lack-there-of ) and PR quagmire, even stumbling onto a recent lawsuit regarding similar issues that I'm experiencing. Time to step my game up and get someone to light a fire under their pants, my credit is on the line. We're talking about a 60 point+ neutering that drop kicked me two brackets down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Is For What You Are Disputing ), 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 2023-06-15
Company: Prince Parker & Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a formal complaint against Prince Parker and Associates regarding their actions that have violated my rights under federal laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am seeking relief and monetary damages for the following violations : Unauthorized Collection Account and Inaccurate Reporting : Prince Parker and Associates has reported an account on my credit report that is not mine and is inaccurate. This fraudulent reporting has negatively impacted my creditworthiness and financial standing. I did not provide any permission for this account to be reported, nor was I notified that such reporting would occur. Obtaining Personal Information Without Consent : I discovered that Prince Parker and Associates obtained my personal information without my consent and opened an account in my name. This unauthorized access to my personal information is a violation of my privacy rights and raises serious concerns about their practices and compliance with federal laws. Failure to Verify and Validate Debt : Despite my request to Prince Parker and Associates to provide verification and validation of the alleged debt, they have failed to provide any supporting documentation or proof of the debt 's validity. This failure to comply with the FDCPA 's requirement to verify and validate the debt is a violation of my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-06
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT 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 2023-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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 noticed a hard inquiry that was place on my XXXX XXXX from Bank of America from Texas. Someone stole my IDENTITY to use my name to open an account to this bank. I file a complaint to FTC about this madness they had give me a referral number. It is attached to this complaint as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18
Company: AMERISAVE MORTGAGE CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2023 I paid my mortgage and changed my information to my new bank account information. XXXX I went in paid my mortgage, tho my information had changed. A few days later wondered why it was taking so long to clear, realized it was coming from the old account, immediately called amerisave and spoke with a supervisor ( XXXX  is her ID ) she tried to change it but it would not take. She said she will put in a ticket to see why. I paid my mortgage 1 day late online with her and she put my payment through. ( I incurred a {$20.00} late fee ) She said I should hear something. ( I am computer savvy ) I waited and got an email from XXXX ( where they want you to send all the complaints ) I sent an email saying they sent my payment to the wrong account and I needed to be refined for the NSF fee of {$64.00} ( XXXX  ), sent bank statements verifying, it went through twice. and for the {$20.00} late fee. I could not get in their ( safe- XXXX  secure messages ) system when responding to customers, I tried on several occasions but it will not send me the verification email for password change. so I called again. 

XX/XX/XXXX XXXX XXXX   email requesting fees sent detailed information needed. they said it was my fault when supervisor stated it was an issues and confirmed it was not. my fault Send another email XX/XX/XXXX at XXXX and they still said it was my fault. not reading the letter I sent and was guided by their supervisor how to write it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Certegy Holdings, LLC
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
XXXX keeps declining my paychecks. I have had a few bad checks there but that was over 10 years ago and they were all paid. I was the victim of identity theft and im sick if not being able to cadh my paychrcks myself. I can't get a normal bank account because of this very reason. I think it us wrong that I can not cash my check to us 100 percent guaranteed.

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 2020-09-30
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XX/XX/XXXX To whom it may concern : Im writing to file a complaint because after several attempts to have a bankruptcy removed from my credit report. XXXX was company who purchased and placed bankruptcy placed it on my credit report. 

I filed a chapter XXXX bankruptcy in XXXX and it was dismissed in XX/XX/XXXX. I contacted the three credit bureaus to have it removed. I have requested to have it removed, but they refuse to remove it. I understand that it is the company who placed it on credit is the one responsible to remove it. XXXX put it on my credit report and they have removed it. I sent letter from XXXX to credit bureaus stating that XXXX removed it from my credit report. XXXX stated that they could not verify it sufficient timeframe so they removed it from the report. The credit bureaus stated they verified the information to be accurate. The bureaus have all stated that the information has been verified ; however Ive sent out numerous letters, and it has cost a lot of time and money to get the information corrected to get letters notarized and certified. The credit bureaus are XXXX, XXXX  and Experian. 

Bankruptcy docket XXXX, was filed at the California XXXX Bankruptcy Court. I sent a letter to all three credit agencies regarding letter from bankruptcy court stating that the court does not report the bankruptcy on credit report ; it was purchased from a third party XXXX. What they verified is the it is on the credit report with all court information, but that is irrelevant and incorrect. It clearly shows its on my report but not verified with XXXX. The credit bureaus are clearly in violation of Fair Credit RePorting Act Section 611 ( a ) ( 1 ) ( A ). This has been an issue since XX/XX/XXXX until now. I would like to know how I can file a smalls claim action against them. The purpose of complaint is to investigate the companys lack of verification of reporting of the bankruptcy and have it removed. The credit bureaus have all the information to remove the information, but they refuse to cooperate with XXXX. I spoke directly to XXXX after the letter was sent to me and they stated that they removed it, there is a quarterly report sent out to all three credit bureaus to remove the information when they removed the information, and I informed each bureau, but no cooperation from any of the bureaus. 
Thank you for your response. 

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 2023-08-28
Company: Experian Information Solutions Inc.
State: MA
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 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