BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-07
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 or Any other adverse item of information, other than records of convictions of crimes which antedates 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 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 2022-05-02
Company: EQUIFAX, INC.
State: MO
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: CBC Companies, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Here I am again dealing with another CRA that has refused to give me a copy of my report online and is now attempting to extort my private information from me in exchange for a copy of my report. I am not obligated to share my personal information with Innovis, a company that has never received my permission to share any information about me or my personal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: January Technologies, Inc
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lost my wallet, XXXX - XXXX all my credit cards and money and identification. 
A representative called me and stated someone is using my card or cards!! 
They purchased {$750.00} of XXXX and {$350.00} of sneakers and other things!!! ( XXXX XXXX )! 
I then called all my credit cards fraud departments!! 
XXXX XXXX, and XXXX XXXX XXXX!!! 
So since I called all my credit cards fraud dept they just send it to anther credit collections agency and report to all 3 credit reporting agencies without answering any questions concerning unauthorized use from the Police Report also not following the instructions of FCRA AND CFPB LAWS!!! 
XXXX ASKING TO STOP MAILING ME LETTERS AND REMOVE MY INFORMATION FROM ALL XXXX CREDIT REPORTING AGENCIES!! 
XXXX, XXXX AND XXXX!!! 
HERE IS MORE LETTERS FROM THEM AND THE POLICE REPORTS OF UNAUTHORIZED USE ON THE POLICE REPORTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XXXX XXXX there was an {$300.00} being reprocessed on my account due to payments that I havent payed or even subjected to swipe my card, I also included information on why my account was being charged due to a friend stealing my information. XXXX XXXX I no longer have info for my regions account due to owning regions {$300.00}. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, email address 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 2021-02-15
Company: ECMC GROUP, 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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 Bank of America wrote to me and copied the Office of Attorney General of Maryland that the Principal balance on my home loan ( {$190000.00} with finance charge of {$150000.00} = {$350000.00} ) was {$76000.00}. With an unapplied total sum of {$1100.00} As of XXXX, this lender claimed this amount to the XXXX Md. 
BOA in a rush to foreclose my property issued escalating a new bill in XX/XX/2022 of {$100000.00}. 
This is a predatory lending targeting vulnerable borrower to trap me in cycles of debt leading to foreclosure and bankruptcy. This is worth investigating and I attached herewith supporting papers for evidence.

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 2023-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
THIS COMPANY HAS UPPED MY APR TO ( 31.24 % ) when I first received the card it already had a high APR of ( 21-24 % ). Capital One has now raised it to 31 % and I HAVE DONE NOTHING WRONG WITH THIS CARD. This " bank ' needs to be reported for all of its actions that are against bank polices!! and this has to be one of them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Caliber Home Loans, Inc.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on the loan XX/XX/2020 Service account tried to steal XXXX XXXX XXXX XXXX They. Pulled my. Mortgage three times in one month They withold my payments XXXX XXXX defamed me now I've been threatened by XXXX XXXX Turned in caliber home loans to Attorney General XXXX XXXX and US Senator XXXX Chief of staff Been banned and threatened by Caliber home loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 monitoring agency is the only monitoring agency that is purposely trying to destroy my life. They had over 25 telephone numbers on my credit report for years and malicious information. They had numbers to track phone that were never given my information at all. One of the numbers was to a track phone I had where I gave no personal identifying information. The rest of the numbers were other peoples numbers. 

I had spoke to this company years ago when they were the only monitoring agency purposely trying to destroy my life. They are like stalkers. XXXX and other agency never put the information they have. When I spoke to this company years ago for how detailed and stalkerish they were being they laughed in my face. They have been putting other peoples details on my credit report since I was able to be monitored by a credit reporting agency and now my information is on the deep web. 

The government needs to investigate this credit reporting agency for destroying white peoples lives. They know someone that is harassing me and Im sick of them putting 25 cell phone numbers to other people when I, XXXX XXXX, have no family or friends to help me in life. They XXXX up my entire life with their malicious and false information. I just discovered other peoples numbers on my report. It needs to be investigated as to how they are getting information. There is no privacy with this company. Just list my debts which is a school loan and stop lying and adding all my stuff to destroy my life because I have a XXXX XXXX XXXX 

Someone has been attacking me online stealing all my data and threatening my life online. I have so many breaches. I have so many identity theft problems and trans union cant keep adding other peoples numbers to my report and saying Im related to people Im not. 

They should be investigated for adding over 25 cell phone numbers that dont even belong to me and they dont even list my current number. Its against the law to destroy my life purposely.

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 2021-02-16
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: Public record information inaccurate

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. PUBLIC RECORDS : BANKRUPTCY CHAPTER XXXX DISCHARGE

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 2021-03-17
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Constant phone calls early in the morning almost every day, I have reported the company multiple times to the XXXX I have also disputed the company due to the excessive phone calls. I have been told on multiple occasions that they would continue to report this account to the credit bureaus and my score will be lowered. I am in a income driven plan status and I have still been getting phone calls when we are in a life crisis right now due to Covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a TAX document. Third Federal Stated my house was taken due to a foreclosure. 

Please explain why on the IRS form 1099 Box 6 = Identifiable Event Code G was put in box G per the instructions for Debtor located on the back of the form corresponds to Decision of policy to discontinue collections PLEASE EXPLAIN WHY OPTION D Foreclosure Election was not selected. 

My credit report indicates the debt is due to a foreclosure and has been placed on my credit report. 

On XX/XX/XXXX XXXX I received a letter from Third Federal stating the information ( foreclosure ) is correct.

This is contradicting and would be a falsification of information.

Given these are tax documentation which are supplied to the federal government, is reporting information in this contradicting manner LAWFUL Third Federal Please Explain. 

How can you state in box 6 a foreclosure is not selected yet post I owe money for a foreclosure on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX ( Auto Financing Companies ) Inquiry date : XX/XX/2019 - This inquiry does not belong to me

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 2019-09-21
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was a reluctant customer of XXXX for over 5 years despite the terrible service I received. We had cable internet and home security. From day one our home security was terrible. It was giving off false alarms and the police would have to be called. The internet was never as strong as we were told it was going to be despite paying extra for the boost service. I decide to disconnect my service and go with another provider. I paid my last bill and switched over. Months later I see that XXXX has submitted an entry to the credit bureaus of an unpaid debt. I contacted XXXX several times to figure out what this debt was and why I never received written notification of the debt. When I turned in my equipment I was never informed about a balance or anything. There was no written communication after that point. 

I have tried to resolve the issue although I feel XXXX is at fault for failing to notify me of any charges after I disconnected my service, XXXX is refusing to remove this from my credit report even if I pay the balance in full. They apologized if they dropped the ball, but the most they could do is update it as paid in full, This is unacceptable. 

I reached out to the collection agency that now has the account Credit Collection Services to get more information about the debt and they told me very little information as well other than they are collecting for XXXX. I tried to explain that I never received written notification that of this debt. I tried to resolve the issue requesting the full deletion of this from my credit report if I paid in full. They said they don't have the power to make that happen. I know that they have the power to negotiate those terms but they wouldn't even talk about that. 

This is affecting my credit and I am in the process of purchasing a home. I am willing to pay the account in full although I take no responsibility for the charges, I was not properly made aware of the charges and was not given the option to dispute the charges in a timely manner.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I, XXXX XXXX XXXX, a XXXX XXXX, command Equifax to unblock me from creating and gaining access to my updated credit profile with reports and scores in order to dispute errors. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, XXXX, and fairness in order for Equifax to discharge any errors or obstructions from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company posted a collection on my credit with inaccurate information ; I have disputed at least a dozen times and they have verified it. This company has never once contacted me directly about this alleged debt. They sent no notification via mail and Ive lived at the same address for 10+ years, my address and phone are both correct. I called a number for this company I found online and they werent able to locate my account. This is impacting my ability to obtain a home mortgage.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
A fraudulent account appears on my credit that I do not recognize. The account is : XXXX XXXX XXXX XXXX XXXX XXXX .... 

XXXXXXXX XXXX XXXXXXXX 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 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Under fair credit reporting act, the followiing accounts has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 Section 604 602, etc I have the right to privacy. Also a reporting agency can not furnish an account without my written consent. 
XXXXXXXX XXXX. Account # XXXX XXXX and XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-02
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris INC XXXX XX/XX/XXXX Foris inc XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Foris INC XXXX i used my debit card to transfer this fund to Foris INC. and Foris INC XXXX exchange XXXX XXXX to coinage platform. 

XXXX platform is scammer. i reported coinage and the trader to XXXX. Foris INC dealing with scammer. 

i do not know it was a scam until i can not collect my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
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: Investigation took more than 30 days

Complaint:
Dear CFPB, The credit reporting company Equifax had 30 days to investigate the inaccurate information on my credit report. They received my letter on XX/XX/XXXX as confirmed by USPS in the attachment below. According to the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), the bureau would have had 30 days to verify the inaccurate account on the credit report. Today is XXXX XXXX XXXX. Since the credit bureau could not verify the information within the 30-day time period, they must delete all of the disputed accounts from my report. 
I have notified them that they must remove the item immediately and still have not received a response. 
I have also notified the company that if I do not receive a revised credit report, free of charge, with the items removed at my correct address, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o Civil liability for willful noncompliance and that their credit bureau may be liable for : 1 ) actual damage I sustained by their failure to delete the items 2 ) punitive damages as the court may allow 3 ) costs of the court action, plus attorneys fees I demand that all the disputed accounts on the account be deleted immediately because they could not verify the inaccurate account in a timely manner violating the credit repair act, and because the account is unverifiable. There is no way to verify the information on a frozen/opted out XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX so if they claim they have contacted these companies for the account in question, they are lying because it is unverifiable. I have receipts from each of these companies proving my account is unverifiable therefore they must delete the inaccurate and unverifiable account. Failure to do so can result in a {$1000.00} fine per undeleted item.

Company response to consumer: Closed with explanation