BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: MI
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 XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, the XXXX XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX. 

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.

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 crime which antedate 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-30
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 am victim of identity theft

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: EQUIFAX, 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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
In accordance with the fair credit reporting act Capital One account has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Southern Auto Finance Co
State: TX
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:
Recently I looked at a copy of my credit report and noticed some things that is VERY upsetting! The account SAFCO Account # - XXXX are reporting some very inaccurate things. I have tried and tried numerous of times to dispute this account with them through XXXX & XXXX but I guess I will have to go higher up to get this solved. This account is a CLOSED CHARGED OFF account. Which means IT CAN NOT INCUR INTERESTS!!!! The company has legally been compensated for the loss & can not continue to add fees, a charge off is essentially a XXXX account. There should be no changes reported to it AT ALL!!!! I have tried to request a XXXX from the company to show the correct balance as proof, but they refuse. I have screenshots through a monitoring app and also an EMAIL from the associate thats handling my account with the CORRECT balance. The correct balance is {$9000.00} ''. EACH month it increases and now its at {$12000.00}. This has been going on for TOO LONG. Obviously, they have not been investigating anything because this is totally wrong!!!! The account is closed and I dont have the vehicle anymore. Please get this right for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: Advance America, Cash Advance Centers, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hello, i received a payday loan. I reached out to see if they abide by the military lending act or SCRA to decrease the interest rates of my loan. Advance America told me they do not abide by those laws, however its a federal law so they are obligated to if Im not mistaken.

I got on orders XX/XX/2023 and i would like every payment Ive made since i left on that date to now to be the correct reduced interest rate for the military lending act. Please let me know if you have any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Adler Wallach & Associates, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt in full of {$560.00} from AWA ( Adler Wallach & Associates ) Collections on XX/XX/21 since then they have not removed the debt from my credit report as promised or updated the amount. I called multiple times and they have hung up in my face, I've asked for a manager they say there are non available. They claim that the debt would be removed in 60 days nothing has changed on my credit report, and they have no answers of why.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello Sirs. 
I am a widow selling online my late husband 's militaria antique collection. As a payment method I was using Pay Pal payment method. 
OnXX/XX/XXXX I have received from PayPal email that my accounts are permanently closed and I will not be able to open another account. My funds were put on hold for 180 days with option to release in 180 days. I have contacted Pay Pal agents several times and they explained me the reason - violation by accepting PP payments for antique fire arms ( I did not know about this PP rule which is not an excuse for me ). 
All the agents whom I contacted with had assured me that in 180 days onXX/XX/XXXX my money would be released and they will instruct me how to procede. 
But onXX/XX/XXXX full amount of {$6.00} XXXX from my account was transferred to PayPal without any notifications and explanations. PayPal did not release my funds in 180 days ( XX/XX/XXXX) as was promised. 
Please help me to get my money back. I am single senior widow and it is hard enough to survive during this challenging times due to pandemic.Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so surprised to see fraud misleading information in my credit report. Like I have inquires that I have never made. I do not recognize them but why do I have them? 

I feel like its a fraud and I filed identity theft report. Could you please check my credit report. For sure you will see there account and inquiries please investigate them and I hope you will remove them 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 2018-10-18
Company: EQUIFAX, INC.
State: TX
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A Equifax : XXXX, N/A Equifax : XXXX, XXXX XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX  : XXXX, XXXX  : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX, XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX   : XXXX, XXXX XXXX. XXXX XXXX Equifax : XXXX, XXXX  : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXX XXXX Equifax : XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
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:
there is a hard inquiry from XXXX/CBNA which does not belong to me. iv tried to contact them and i have not been able to get anyone on the phone. this is hurting my score and i am not able to get approved for a mortgage.

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 2019-07-09
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For almost three years, I've been trying to work with Discover card to inform them that this account was opened without my knowledge or consent. Most of my work can be chronicled on this platform. 

Throughout that time, I've witnessed a cascade of lies, misinformation and stall tactics employed by Discover. 

I've made it clear that I wasn't in the District when this account was opened, and when this card was used. 

Their response has evolved from : -we know he opened the card, but we have no proof ; -now our proof is a bunch of credit card statements -oh wait, we have application information that includes your relevant information, and we were able to verify it ( although that would have been hard since I WASN'T IN THE AREA FROM XXXX ). 
-We can't share application information, and we used an email address as part of the application, but we don't know exactly what email address. 
-Oh wait, we have the email address, and it's the one used on this complaint ( which became their position in XX/XX/17 AFTER I PROVIDED THEM WITH MY EMAIL ADDRESS ). 
-Then it was " we mailed you the attached statements. '' Then, " well, we didn't, we sent them via email, but we can't tell you which email address. '' Then " oh yeah, we sent it to the email address that you provided us, but we can't show you. '' -Then it was " well we can't show you the application, because it was submitted via the web. And because our systems are proprietary, we can't screenshot it and provide you proof. '' **Note** as a person who XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, I can tell you this : no matter how proprietary the tech is that drives the site - every site has a " print fields '' function on data that they collect. I have a hard time imagining that Discover is any different. ** Then they claimed that they were going to sue me, but the statute of limitations to sue has expired. 

And in my last complaint, I finally found, and provided, proof of residence in the form of my signed subcontract least, placing me in OHIO during the time this account was opened. Yet, there was no mention of this during their last response. 

CFPB - there is a long and lengthy paper trail in the form of their responses that supports eveything I've documented. 

Discover - if you had any real proof, you would have sued. However, I can sue - for a variety of FCRA violations, along with libel and defamation of character. 

I've provided you with proof that I wasn't here with this application was opened. Fix this now. I've run out of patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: TN
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  Account XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX XXXX, US DEPARTMENT OF ED XXXX XXXX, and XXXX XXXX XXXX XXXX 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 2023-06-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got scammed for every penny I had! USAA is closing my account of 20 years because I fell for a spoof scam from their number. I am ruined, my savings everything is gone!! USAA was like well nothing we can do and we are closing your account for getting scammed!! XXXX XXXX  and I this is how they treat vets!! Someone opened accounts in Florida and drained checking and savings ... XXXX plus. 

Proven 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 2022-10-16
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I declared banckruptcy court on XXXX XXXX and case was discharged of debators on XXXX, XXXX. I contacted Citibank whom I had the home equity loan with in XX/XX/XXXX there is no record on file at all. Contacted Citibank after bankruptcy and they refused to speak to me and Citibank stopped sending and pymts. 
They stated that another servicing company might have my account since it is so old the company name is XXXX. Contacted this servicing company as well an they said no contact information is on file I don't exist at all. 
There is lien on my home property that I would like to be removed. If I could please have a release of lien via XXXX and a satisfaction of mortgage. Also if there was a charge off done from Citibank.

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 2023-04-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied to the MA Homeowners Fund Assistance in XX/XX/XXXXXXXX  & by XX/XX/XXXX, I was 3 months past due on mortgage payments & qualified for pending HAF application acceptance. I kept PHH Mortgage appraised by phone stating my HAF application was accepted pending validation of my arrears from PHH Mortgage. I asked that notification be noted in my mortgage file of my HAF application. On XX/XX/XXXXXXXX  HAF Program sent a request on the official XXXX secured portal to PHH Mortgage requesting validation of my arrears. I worked with a specific HAF Rep, XXXX XXXX, who sent a screenshot copy to me by email to verify the request went to PHH Mortgage on XX/XX/XXXX. I have retained the email screenshot & all subsequent update emails from HAF. To date there has been no response from PHH Mortgage to HAF Program. PHH Mortgage denies receiving any request on the secured portal, regardless of the copy I forwarded to them verifying the request was made. Unless PHH Mortgage responds to HAF, I am in jeopardy of my HAF application being closed as a result of " No response from PHH Mortgage. '' HAF provides a 90 day grace period for the mortgage servicer to respond & that grace period is up XX/XX/XXXX. Correspondence & emails back & forth from me to PHH Mortgage is not getting anywhere. They still deny any request from HAF for my arrears, even with proof of the screenshot copy I sent them! If the Banking Commission doesn't intercede compelling PHH Mortgage to comply as they are required to do under the agreement they signed with MA, I am at risk of a foreclosure. I am XXXX XXXX XXXX & struggling to keep my home. The HAF Program was a blessing to have found, but my mortgage servicer is being noncompliant at my expense. 
PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: FL
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 requested several investigations into an account that was placed in collections including sending certified mail and notarized statements to XXXX, XXXX XXXX, and Equifax. In XX/XX/2014 I signed a lease with XXXX XXXX XXXX in XXXX, FL which is under the name ( XXXX XXXX XXXX ) on my credit report. After living there a month I was forced to move to another unit because of construction. One month later in XX/XX/XXXX I was forced to move out because the construction was making me very sick. The front office agreed to release me from the lease but did not notify the back end office in XXXX. My move out statement shows that I was billed a half a month of rent and my final water bill was XXXX XXXX. I was moved out on the XX/XX/XXXX which the property management said that there was no issue since I was getting sick from their rental unit and they did not want any lawsuits. This has turned into a nightmare trying to fight. When I most recently moved into a new apartment this year I was able to pull up my move-out form from XXXX XXXX and the copy of the lease. The information on my credit report is inaccurate and should be removed. I have sent numerous letters ( even notarized and certified ) but nothing ever gets done. I even had credit bureaus return mail saying they couldn't find this account. Please help me deal with this issue and get my information to them. It has been very difficult to represent myself and prove my side of my story to show no wrong doing on my part.

Company response to consumer: Closed with explanation