BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: Experian Information Solutions 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:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXX XX/XX/XXXX is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX XXXX!!! They clearly know I had COVID in early XXXX and did not get out of the XXXX and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX XXXX Account! I almost died from XXXX AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS JERKS RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXXt account XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX and XXXX XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states I have the right to privacy. 

15 U.C.S 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-07-10
Company: Experian Information Solutions 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report 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 2022-04-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I am contacting the CFPB on behalf of SYNCB/Care credit under account # XXXX. There are wrongly reported late payments for XX/XX/XXXX, and XX/XX/XXXX, please see the enclosed documentation.

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 2018-12-14
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:
I have no knowledge or records of the listed account XXXX # XXXX, XXXX XXXX XXXX Please advise me as to the name and address ( es ) of the medical provider, the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete.

If you can obtain this information, I also would need the name of the medical sales providing this proof and claim, how was the information was received so I can prepare a legal remedy ( law suit ). This is potentially a servious HIPPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
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: Account information incorrect

Complaint:
I have sent a letter to equifax, XXXX, and experian in reference to incorrect information being reported on my report. I have not gotten a response from equifax or transunion. Equifax responded back and refused to reinvestigate the incorrect information in my report. I have sent method of verification letters to them as well as factual dispute letters. Furthermore they have failed to respond in the appropriate allocated to them under the FCRA. There was charge off on my XXXX XXXX XXXX XXXX account. The date of first delinquency was XX/XX/XXXX. The account has not only been reaged due to them reporting a CO on several occasions after it first occurred which is illegal but been completed altered so that the CO isnt reflective. XX/XX/XXXX makes 7 years from the date of first delinquency therefore this account should not be reporting at all. It is the bureaus responsibility to report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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: Account information incorrect

Complaint:
I had a vehicle loan through XXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, XXXX XXXX is not reporting the information to Equifax correctly. XXXX did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because XXXX keeps advising that it was XX/XX/XXXXor XX/XX/XXXX Equifax will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an heir at law to my late fathers estate, ( he & his last wife are both deceased now without wilIs ) I am not the borrower of these loans but I am the being sued for them. I don't have money to pay them, I do not have a home of my own. 
XX/XX/XXXX i was served with written package # 2 foreclosure Summons from court ; AFTER FORECLOSURE HAD BEGAN ( Nationstar Mortgage/ Mr.cooper ) *XX/XX/XXXXforeclosure # 2 began in court. ( Nationstar mortgage / Mr.cooper ) *XX/XX/XXXX Foreclosure # 1 began in court. ( XXXX XXXX XXXX ) * I was never served with this # 1 summons ( XXXX XXXX XXXX ) my u.s. constitutional rights as an american citizen of the U.S. were violated due to the fact that my brother ( other heir ) was served & given the option to buy this estate for only {$5000.00}. But I was never offered this option= unfair treatment /discrimination practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Media Collections, Inc
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I rented vehicle from XXXX around end of XXXX. By the time I reached the counter it was late and I had my toddler in my arms. I signed for the vehicle and did not realize that company had tagged on additional fees. Next XXXX  I called XXXX and explained that I didn't agree to the services. They said at this time we can't help me. I then called my credit card company ( XXXX ) and explained them what happened and filed a dispute. The original amount XXXX charged was {$670.00}. The disputed amount was {$150.00}. After few days I received letter from XXXX stating that dispute went in my favor and XXXX will credit me {$150.00}, which they did in early XXXX. XXXX months later on XX/XX/XXXX, with no prior communications, I received letter from Joseph Mann & Creed that my account was reported to collection agency. I was furious to find out that despite making payment of the entire amount of {$670.00} was reflected on the collection document. 

XXXX is refusing to listed to my concern and so is the XXXX collector agency. I response I am getting is " it is what it is '' and you owe the debt. I have near perfect credit and have never missed any payment. Further, credit card company can confirm that my account is current and all payments have been made to XXXX. 

These are the times when vendors are taking advantage of consumers and reporting to debt collector to collect double payments. This is wrong and immoral on so many levels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
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:
This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX Balance Owed : {$390.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Avant Holding Company, Inc.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I HAD ASKED THIS COMPANY MANY TIMES TO HELP ME WITH MY BILL DUE TO MY BEING A XXXX PATIENT I HAVE A {$300.00} CREDIT LIMIT AND HAVE PAID THEM OVER {$800.00} IN FEES AND LATE PAYMENT CHARGES! 
I HAVE OF MY OWN FREE WILL CANCELLED THIS CARD! 
THEY KEEP CHARGING OUTRAGEOUS FEES AND OFFER NO HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : 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 2020-10-02
Company: CITIBANK, N.A.
State: NY
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:
This account does not belong to me. I called MACYS and they said that they are unable to locate my account. To be more specific they said that Account Not Found and they said that I make goodwill payment and this account that I will not be credited for. I can not let them collect money from me for the account that is not mine.

MACYS needs to stop reporting this fraudulent account reporting in my credit report. Since I was able to MACYS and inform them that this account is fraudulent, the initial action I am expecting from them is to forward this account for review. 

I requested what transaction was made in the account and they are unable to provide that information. They continue to report this Fraudulent Derogatory account in my credit report. I demand this account be forwarded to your Fraud Investigation Department for review. I request an investigation on the transaction, the application, and any documentation that you can give before verifying this  account as valid.

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 2023-10-18
Company: EQUIFAX, INC.
State: TN
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:
Equifax, XXXX, and XXXX is in violation and not in compliance with Metro 2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: Eagle Home Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a home loan with Eagle Mortgage, a subsidiary of XXXX XXXX. I signed the XXXX sales documents and applied for the loan using Eagles secure portal. Five days after providing info on two bank accounts along with my personal information, both accounts were breached and a fraudulent check written on one account. The fake check had a signature that was designed to look like the signature I made on the earnest money check to XXXX. 
In particular, someone used my personal information to access XXXX XXXX telephonic banking services, then transferred money from my savings account to the checking account before writing a fraudulent {$3900.00} check. I had given Eagle a bank statement showing transfers between the two accounts. 
Eagle conducted an investigation and concluded they did nothing wrong. However, Eagle was the first entity or person that I ever shared information regarding the savings account in over 10 years.

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 2023-10-05
Company: EQUIFAX, INC.
State: GA
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:
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: GOLDMAN SACHS BANK USA
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My cash rewards for my Apple Card are getting deposited into an XXXX XXXX account with a negative balance that is due to fraud. I believe this is unfair and deceptive as I have an Apple Card ( credit ) backed by Goldman Sachs but getting rewards are deposited into a into a debit card ( Apple Card ) from XXXX XXXX XXXX stated that my negative XXXX balance is due to a chargeback that I reported as fraud, because it was fraud, I have a police report. XXXX states the resolution can take up to 180 days. Which means every daily cash reward will be deposited into a negative account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Since XXXX of XXXX I have been trying to get my XXXX Mortgage Interest Statement from Citizens Bank. Automatic phone service states, Statement were mailed on XX/XX/XXXX. Unable to log into my online account. When placing a call, the automatic phone service will ask for every information imaginable- all I get is the run around. I've written XXXX letters to the company asking for my statement. 

On XX/XX/XXXX, I received a letter from Citizens saying they would look into my request. 
and get back to me in 30 days. What is there to look into?? They have all of my personal information. I need my Mortgage Interest Statement to have my taxes completed. 

Taxes are soon due. I'm going to be late sending in my tax forms because of these imbeciles. I'm XXXX XXXX XXXX and have been dealing with mortgage companies most of my adult life. Never any problems until dealing with Citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
My complaint is about getting information from Equifax. I tried to start a dispute on the Equifax website 5 minutes ago. Equifax claims I have 7 accounts open on my account. When I tried to dispute this on their complaint page- the open accounts were not in there account. This is fraud and false information. These Credit Reporting agencies should be fined or put out of business. I have just been denied housing because of a false credit report, and denied funding for university. I can show you the rejection emails! I want a judgement of XXXX XXXX dollars from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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:
The identity theft inquiries still on my credit report. Equifax has 2 XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX take off XXXX XXXX. Equifax told me it would take 90 days or less its passed that. Still on my report. XXXX for no reason removed good standing auto loan. It is less than 7 years. No reason it went off. Why? Its not identity theft or fraud. Put it back.Take off inquiry from XXXX XXXX I never made this inquiry ether. I called XXXX   about this auto loan taking off.

Bank told me its XXXX XXXX.

We report to all credit reports.

If it goes off its tXXXX XXXX fault!

Company response to consumer: Closed with explanation