BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Dear Equifax, On XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response , I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. 

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013  ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: U.S. BANCORP
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage requires online payments without assessing a fee. I can not set up autopayments or adjust the payment date online resulting in me missing payments due to lack of attention. I have been trying to set up autopay since XXXX of XXXX but can not. Ive been told that I'm using the wrong browser, the name is wrong on the account, plus other more mystifying scenarios. I was told on XXXX that I can not access the account, even though I am one of the account holders, because their online system will only allow two names on the account and our family trust is the primary and my husband is the secondary. I feel it's illegal to deny me access to my account as I am liable for the debt. I can not access my account any other way as paperless was part of the contract. 

The bank did say that my husband and I can change who is secondary but that leaves my husband unable to manage the account if I die or become incapacitated in any way. Besides the fact that we have to absorb the notary cost.

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 2023-12-10
Company: Experian Information Solutions Inc.
State: NC
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:
I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # 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 2023-12-10
Company: Advance America, Cash Advance Centers, Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a call from the initial creditor on XX/XX/XXXX. They stated I had a bill that needed to be paid. It was roughly {$400.00}. There was an Agreement to pay about {$200.00} of that. They said if I did not pay it then it would be sent to collections. I attempted multiple times over the phone to pay, and even attempted on the website. The website appeared to take my payment but there must have been something wrong or it was not working because they have no payment confirmation. I exhausted every available option to pay the debt. They said that as long as I paid a certain amount it would be fine. Now my account was sent into collections and I have not received a debt verification letter. I tried to get a copy of the 12 minute phone call to verify that their system was down when I attempted to pay my debt. I am not sure what to do. The original creditor and the collections agency are not very helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I modified our mortgage in XXXX. During that time, PHH mortgage ( service for XXXX XXXX ) was to waive {$93000.00} from mortgage. PHH Mortgage sent the IRS a 1099-c form indicating this amount had been waived and it was counted as additional income for the XXXX  year causing a huge tax bill for us. The document indicated it was waived XX/XX/XXXX and would not be relayed by us the borrower. XX/XX/XXXX we requested a payoff from PHH mortgage, the {$93000.00} was not included in the payoff. Currently PHH mortgage is showing {$93000.00} is due as a balloon payment. They have never processed the waiver for {$93000.00}. I have contacted PHH mortgage to rectify and employees advised they falsified the IRS document and the amount was never waived. We have suffered extensively, have been unable to refinance the mortgage because of this. We have a huge amount still paying the IRS. PHH Mortgage has been deceptive and has deceptive practices. I have a recording of a PHH Mortgage employee stating they were deceptive and falsely reported to the irs and the waiver never processed. They also have refused to provide a payoff at this time. The employee was advised that I was recording the call.

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 2023-12-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, Midland Funding LLC and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, Midland Funding or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, Midland Funding LLC 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies. 
FCRA Section 621 : XXXX XXXX XXXX, Midland Funding 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ 100- {$1000.00}.

Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 

I have never had any dealings with XXXX XXXX XXXX, Midland Funding or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, Midland Funding and XXXX XXXX XXXX. 
Compensation for my time and effort spent disputing this illegal account. 
Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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 contacted Experian about old accounts reappearing on my report as negative. I asked them to update this information. They are reporting XXXX negative accounts. I only have XXXX accounts that is open and they are not negative.

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 2023-07-05
Company: EQUIFAX, INC.
State: NY
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:
I am writing to file a formal complaint regarding fraudulent inquiries that are persistently being reported on my credit report by Equifax. Despite my repeated efforts to resolve this issue, the false information has not been rectified, causing significant frustration and hindering my approval odds for various financial matters. I kindly request the intervention and assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter promptly. 

I have diligently followed the proper channels by contacting both the lenders, Equifax and XXXX to remove the fraudulent inquiries. However, despite providing supporting documentation and clearly outlining the fraudulent nature of these inquiries, Equifax and XXXX has failed to take appropriate action. This has resulted in continued harm to my credit profile, impeding my financial opportunities and causing unnecessary distress. 

I urge the CFPB to conduct a thorough review of my case and exert its authority to ensure that Equifax and XXXX rectifies this situation immediately. The fraudulent inquiries should be promptly removed from my credit report to restore its accuracy and prevent further damage to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, 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:
Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2022 Balance : {$410.00}

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 2022-11-04
Company: U.S. BANCORP
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX. I was denied by Fidelity Visa Signature Card account. I conditionally accept the offer upon proof claim that you/they have the right to reject my application and I need to see the factors that went into the decision based on the law public and private. 
Under 15 USC 1611. Criminal liability for willful and knowing violation ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under SECTION 1606 OF THIS TITLE in such a manner as to consistently understate the annual percentage rate determined under SECTION 1606 ( A ) ( 1 ) ( A ) OF THIS TITLE, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 15 USC 1611

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 2019-09-23
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This past XX/XX/XXXX I received a letter out of nowhere, dated XX/XX/2019 from the PMS collection company I'm filing this complaint about. Immediately I contacted the original creditor XXXX XXXX XXXX XXXX to find out what it was. When they gave me the date of service I told them it was impossible as I was out of the country. They stated after I forwarded my passport that they would cease and desist their collection efforts as there must have been incorrect data entry/ error on their part with another consumer/ patient. In XX/XX/XXXX I went to get preapproved for a home loan when I found out that the same outside collection company had reported the collection account to my credit bureaus. After calling XXXX XXXX XXXX again, I was told that they had requested months earlier that the PMS collection company send it back and to stop collecting. Then I called the bureaus and they filed a dispute for removal. PMS collection company verified twice that these debts are valid to the bureau and refuse to remove it from my credit or send it back to the original creditor. I'm confused and don't know what to do next as the credit bureau tell me that PMS collection company is the only entity that can remove these collections because they are the ones reporting these collections. Help!, I want to buy a property by the end of the year and I don't want to deal with a collection company that only is concerned about getting money. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
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: Old information reappears or never goes away

Complaint:
I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.

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 2023-01-30
Company: TAG Intermediate Holding Company, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Ganas auto XXXX XXXX has insanely up charged me I put down XXXX for a 2017 XXXX with XXXX miles wich by the way in the contract they put on XXXX the cars value is about XXXX before financing and there charging me in total of XXXX after financing... The car broke down 4 weeks after negotiations and was at the shop for 90 days without stopping my dues.. becouse of this I lost my job and was behind my payments while the car was still at the shop getting worked on I was threaten with reposition of the vehicle due to non payment I managed to give them my savings and didn't reposed. It's been a nightmare of an experience with this car sales company...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
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: 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, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank has contacted me via phone call 13 times within a 5 day period. They have surpassed the 7 calls in 7 days rule. They are harassing me. I have screen shots of the call logs below. 


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