BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
Company: EQUIFAX, INC.
State: TX
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:
I am writing to bring to your attention an issue regarding a collection account that is being reported on my credit file. It has come to my attention that the collection agency associated with this account, XXXX XXXX XXXX, is not licensed to operate in the state of Texas. 

As a consumer, I have the right to ensure that any information reported on my credit file is accurate, fair, and in compliance with applicable laws and regulations. The licensing requirements for collection agencies in Texas are outlined in the Texas Finance Code, specifically Chapter 392. In this case, the collection agency 's lack of proper licensure raises concerns regarding the legitimacy and compliance of their debt collection practices. 
I kindly request that you conduct a thorough investigation into this matter and take appropriate action to remove the collection account from my credit file. The following details are provided to assist you in your investigation : Account Number : XXXX Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX  Date of Collection Account Reporting : XX/XX/2018 Furthermore, I have attached copies of any supporting documentation, such as correspondence or records, that demonstrate the collection agency 's lack of proper licensure in the state of Texas. 

The presence of an unlicensed collection agency 's account on my credit file violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and The Fair Debt Collection Practices Act ( FDCPA ). I trust that you will take this matter seriously and address it promptly to ensure the accuracy and integrity of my credit report. If necessary, I am prepared to pursue further remedies available to me under the FCRA and other applicable laws to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled an electronic payment. They canceled it/ never processed my payment. Then they charged me a late fee and interest.

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 monetary relief
Consumer complaint received 2020-05-20
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I'm sending in the additional documents you guys needed to locate me in your system from the last complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: DISCOVER BANK
State: NJ
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 


5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX/XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-12
Company: EQUIFAX, INC.
State: MI
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:
Dear Sir, I have closed my individual XXXX credit card on XX/XX/2018 by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the Equifax credit report since XX/XX/2018. I have communicated to Equifax about this card, right name and address along with various details. I have also communicated to XXXX Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. XXXX has responded to me and CFPB that XXXX credit has been paid and closed with XXXX balance on XX/XX/2018 and also XXXX has communicated to all the credit bureau that my credit card is closed on XX/XX/2018 but this information is missing in the Equifax Credit Report. I have only used XXXX credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from XXXX. 
Could CFPB kindly direct Equifax/XXXX to update my closed XXXX  credit card details in my credit report, which has been missing since XXXX. My closed individual XXXX credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, 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:
I have fraudulent inquiries on my credit report that I reported to the lenders, but they are not removing the inquiries. They have has no right to refuse to remove this fraudulent account because I am a victim of identity theft. The inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind in my mortgage due to the natural disaster of hurricane Irma then Michael then Dorian all FEMA disasters one after the other. I was previously with a different mortgage servicer then my loan transferred to Select Portfolio servicing and I had to start the modification process all over. They have been very difficult to work with and they declined me but then I had a change in circumstance and my income increased by a  substantial amount to where I could qualify for retention options. I submitted my update information and application on or about XX/XX/2020 but they claimed they didn't have time to review me due to the XX/XX/2020 sale date. This is not true and I was well beyond the 37 days before the sale guideline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: SYNCHRONY FINANCIAL
State: MI
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:
Dear Sir, I have been observing in my XXXX XXXX report that XXXX   XXXX/XXXX  reporting my closed individual XXXX XXXX credit details every month. I really do not understand why XXXX XXXX has been reporting my closed credit card details every month without any activity and no statements generated. My credit report should have only last payment details, paid and closed with XXXX balance details, these details should stay in my report for next seven years. why did XXXX XXXX credit card company reporting my credit card details without any activity, no transaction, no statements, paid and closed with XXXX balance. Could CFPB direct XXXX XXXX/XXXX to keep the accurate status of last payment details, account paid and closed with XXXX  balance, keep these details in my credit report for next seven years timeline. There should not be any updates and credit reporting every month for paid and closed XXXX XXXX/XXXX  credit cards. Also, there is no XXXX XXXX/XXXX credit card open with my name, date of birth, social, address or using any of my identification details.

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 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2017 I went to USAA Financial service branch located in XXXX NC to make a deposit into my savings account. I used their owner operated ATM I believe it was # XXXX located outside of the front door depositing a check in the amount of {$10000.00} the ATM allowed the check to go all the way in the slot but did not seem to take hold of it. I was unable to retrieve it as there was not enough available to remove it so I used an envelope I had to push it in a little more, it then grabbed the check and the envelope moments latter spitting the envelope out. No check the transaction was cancelled by the ATM. I immediately contacted USAA finally after speaking to Deposit Executive Resolution Team was told they would put a rush on it and money would be placed in my account on hold. Today no money was in my account. I called today as was told it would take up to 72 business hours to resolve the issue. I told them this is not acceptable this is an ATM at their financial location owned by them a location they are planning to close at the end of the month and while I was sitting there on Sat other clients told me the other ATM were not working. So it seems they have made a conscious decision not to maintain these ATM 's and I am being punished for their poor maintenance and horrible customer service. the case # XXXX. I asked 4 times to have their security people contact me and have not heard from them I was told by XXXX today that they can not make phone calls??? What ever that means. I want them to preserve the video tapes and all the ATM records I also asked for written records of this claim and was refused I find that highly suspect. 
This issue should have been resolved this AM when the branch opened however I have been told they require 72 hours that is their process. More like abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 in regards to an auto loan thats currently reporting on all three credit reporting agencies, XXXX, XXXX, and Transunion, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number 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 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 previously disputed this account and never received a response about my investigation. I am asking for your help to get this account 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 explanation
Consumer complaint received 2021-12-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent debt validation letter to portfolio recovery in XXXX. I haven't received anything back from them validating this debt. In the attachment document you will see what they sent me on XX/XX/2021 which is not validating the debt and I want this removed immediately from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
The law firm assisting me with my mortgage issues, submitted a financial package to be reviewed for all options including, but not limited to a loan modification, XXXX modification and partial claim, and stand-alone partial claim. The financial package was submitted to PHH on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and was told that a letter went out that they need XXXX pay stub dated within the last 90 days to make a complete financial package. They confirmed that once this document was received, the foreclosure would be placed on hold while my file was in review. 

I sent my XXXX most recent pay stubs ( even though they only requested XXXX pay stub ) to my law firm who emailed them both to PHH 3 times in pdf format on XX/XX/2023. My law firm followed up with PHH on XX/XX/2023 and the rep confirmed they received both pay stubs. 

My law firm followed up again with PHH on XX/XX/2023 and were told that the foreclosure was still active, that neither of the XXXX pay stubs were legible, and that they would need to be resent. My law firm confirmed with PHH that they were looking at the exact same PDF that they emailed on XX/XX/2023, which they confirmed they were looking at the same. I reviewed the PDF with my law firm that they sent to PHH and it is completely legible! Every word and number on the page is able to be seen without issue. If you zoom in, everything is even easier to read. My law firm explained to PHH that a PDF document doesn't change or become less legible when emailed so there is no way for it to be illegible to PHH and legible to the law firm and me. 

I sent my law firm my most recent pay stub on XX/XX/2023 and they emailed it to PHH 3 times that same day. When my law firm followed up with PHH yesterday, XX/XX/2023, they were told that the pay stub was received, but the file was still not deemed complete. They also said that a sale date is now set for XX/XX/2023 and they couldn't guarantee the foreclosure would be placed on hold or the sale withdrawn due to the sale date being within 37 days. 

This is completely unacceptable! I have attached the exact pay stubs that were provided to PHH back on XX/XX/2023. You will see that everything on the page is legible enough to make out all the words and numbers on the page. If you zoom in, they become beyond easy to read and see. My file should have been deemed complete and the foreclosure placed on hold no later than XX/XX/2023 as PHH said would happen. The sale date never should have been set! My hardship is over and I can afford my home and I am ready to get back to making payments.

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 2023-11-02
Company: OneMain Finance Corporation
State: OR
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 XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 then records of convictions of crimes which antedates the report by more then 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 explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: NY
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 in regards to an auto loan thats currently reporting on all three credit reporting agencies, Experian, XXXX, and XXXX, report. This account belongs to my father XXXX XXXX XXXX, and My mother ( co-signer ) XXXX XXXX XXXX. I have never signed, applied, and or co-signed for an auto loan with a XXXX XXXX XXXX. 


This crossed reference of our personal information has caused me to be in a dire straits situation because both of use inhabitants in the same household and have the same name. Ive never relinquished my credit information, nor have Ive signed documents with XXXX XXXX XXXX. 

Fax the letter, application, and copy of my driver 's license and the other 2 documents to the fax number that was given to me on XX/XX/2022 Mail documents to : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tracking number 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 2020-02-20
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Car was total loss on XX/XX/2020 and the insurance company sent a payoff check on XX/XX/2020 for {$11000.00}. The payoff has not been applied and I tried to contact them and they dont know when it will applied and they have hang up on me and provided little to no information. In the meantime they raise the amount due to almost {$1000.00} and keep milking the fees and interest instead of applying the payment. I been denied car loans because the car is not paid off yet due to their incompetence. This issue is with Ally Auto.

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 2020-09-17
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX at XXXX. I called Equifax to dispute two unauthorized credit inquiries. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX The representative informed me that there was nothing on their end they can do to investigate or delete and I should file with the ftc for a deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I moved out of   XXXX   XXXX   on  XXXX    XXXX  . Everything in the apartment was clean and paint. A worker in the complex paint it and fix the spot in carpet for me! They are saying that they change carpet lying because want to charge and keep the money. Also I sent them all the info and is only until a colleccion agency call me that I know about this bill. They had {$750.00} of security deposit. Also I moved out because a custody battle in Michigan and give them proved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX these are not my inquiries and they where not authorized and are unverifiable I have sent out certified mail XX/XX/XXXX and have called and they still are there and unverifiable.

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