BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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 follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 2023-07-18
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX mistakenly reported a late payment to my credit report. On multiple occasions, XXXX representatives, including managers, have verbally committed to removing the erroneous late payment credit reporting, but XXXX has failed to fulfill their commitment. Below is the background. 

On XX/XX/XXXX I made my regular mortgage payment of {$5800.00}. This was the amount of my standard monthly payment since XX/XX/XXXX. However, in XX/XX/XXXX, XXXX increased my mortgage payment to {$6200.00} to cover an increased escrow balance that resulted from my home insurance cost increasing. My XXXX payment did cover my actual mortgage payment as was confirmed by multiple XXXX representatives. 

Normally I would have logged into my account to see if my mortgage payment had changed, but during this time, XXXX had switched to a new website that used two-factor authentication and for unknown reasons the system would not recognize my phone number and thus I was unable to login and see my statement. I called XXXX many times in XXXX and XXXX to resolve this issue, but no one ever picked up my call even after I waited on the phone for over two hours. In the end, I only found out that the XXXX payment had not covered the full escrow requirement when I received a call from XXXX indicating my mortgage was late. I promptly took care of the additional payment after the call. 

In XX/XX/XXXX, I called XXXX and explained the above situation. The representative that assisted me indicated that XXXX was having problems with the new website and that I was having trouble getting phone support because XXXX was short staffed due to the XXXX pandemic. The representative reversed the {$70.00} late fee on XX/XX/XXXX ( which clearly indicates that XXXX took responsibility for the miscommunication that led to wrong payment ). The representative also indicated that the error would be communicated to the credit agencies and the XX/XX/XXXX late payment would be removed. On a second follow-up communication with another representative, the representative also confirmed that the error would be communicated to the credit reporting agencies and the late payment would be removed. 

As of XX/XX/XXXX all three credit reporting agencies still show a 30-day late payment. I have communicated in writing to XXXX XXXX XXXX requesting resolution and have never received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: Jon D. Curtis, Attorney at Law
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I live in an HOA ( XXXX  XXXX ) and I have monthly payments of XXXX. I had a payment for XX/XX/XXXX which usually should have a late fee if not payed on time. I waited and paid both for XXXX and XXXX with late fees on XX/XX/XXXX. 

I received a mail from a debt collector on XX/XX/XXXX stating I owe XXXX $ in fees for lawyer and title search for not making payment XX/XX/XXXX XXXX. 

According to the lawyer, my XXXX supposedly sent me a late notice on XX/XX/XXXX and they sent it to collection on XX/XX/XXXX. I have never received a mail for late notice. I also want the day to be noted XX/XX/XXXX is a Friday and they had sent it to collection on Monday. What is the point of sending a late notice on Friday if debt is sent to collection on Monday. When was the person supposed to be addressing the issue. 

Now, when I have received the mail in XXXX I had already paid all my XXXX  fees at least two weeks prior to debt collector contacting me. The debt collector and my XXXX are fully aware on the XX/XX/XXXX that I have paid my full amount but they have locked my account so i don't make payment for XXXX and send me debt collection fees for debt I do not owe anymore. This is a very unfair and deceptive way to take advantage of civilians. 

The creditor/XXXX is also a very difficult association that is impossible to contact when I need help with making payment. There is no phone number to contact them and they do not respond to emails, which makes me very much certain that they did not send me any notification. They have my full address, email and phone number. That is at least three different ways they could have contacted me before they send fees that are not even two months late to a debt collector. 

Regardless. This debt was fully paid on XX/XX/XXXX and debt collector contacted me in XXXX. So yes, I had already paid in full the amount I owe. This complaint should be distributed to the debt collector and the creditor/XXXX XXXX XXXX in order to be addressed appropriately.

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 2022-11-09
Company: Eastern Account Systems of Connecticut, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a collection notice from Eastern Account System Inc. stating that I owed {$1700.00}. to XXXX XXXX XXXX XXXX XXXX XXXX. They did not send me an actual bill. I wrote them a certified letter that rquested to see the actual bill, since I was never sent this bill from XXXX and had never seen this bill or received notice of it. They sent me a generic bill with no info other than an account number and the amount of {$1700.00} written on it. I refuted this piece of paper, since it was not an actual bill. Then I got in touch with XXXX billing by certified letter and they refused to send me the original bill, even though they could clearly read it on their computer. In the interim, I was able to locate the actual bill on my computer, which stated that I, in fact did not owe the {$1700.00}! I contacted the Public Service Commission, who started an investigation. I was called back by XXXX, who stated that they were willing to help. I sent them the original bill via email. They called me back and told me that " they were pulling the bill. '' I have a voicemail that I saved from them stating this. The woman I spoke to was XXXX, her phone # XXXX. I was told that she was " senior staff ''. I sent all this info to Eastern Acct system, along with the original bill that stated that the {$1700.00} was not owed, then I wrote disputes to all credit reporting agencies, including all pertinent info attached. My dispute was not resolved by Eastern Acct System, and they reconfirmed the debt on my credit to XXXX. My efforts at speaking to Eastern Acct system, were totally fruitless, everyone that I spoke to refused to acknowledge what I was saying to them, and when I asked to send proof that I did not owe the debt, they hung up on me. The facts are as follows : I do not owe {$1700.00} to XXXX, I have NEVER received a bill from XXXX for {$1700.00} from XXXX, then this collection agency calls me and tells me that I owe that amount, and puts it on my credit. I called XXXX at XXXX today, who told me that she could no longer speak to me, and that she did " pull the bill. '' I possess the actual bill that states that I do not owe this amount. XXXX will not acknowledge my proof, and refuses to remove this from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.

The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: NC
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 a accordance with the fair credit reporting act convergent account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason This is what I have so far that Im 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 2022-11-09
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Approved for assistance with payments, but Rocket/Quicken not set up to accept these payments. Need them to accept these payments asap please. 

Your application for Mortgage Payment Assistance through the XXXX Homeowner Assistance Fund Program, where assistance was requested for your primary residence located at XXXX is now on hold. The servicer you have selected, Quicken Loans has not been setup to accept payments at this time. We are currently communicating with your servicer and requesting their participation in the HAF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Account Number : XXXX I'd like the 9 charges of $ XXXX  monthly maintenance fee to be removed, and the amount returned to my account. 

I signed up for a promotion, and did not receive the promotion. I also did not receive my statements. I moved in XXXX, and just recently received my statements for the past 9 months. I updated my address for this account. 

Thank you, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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.

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 2023-01-25
Company: EQUIFAX, INC.
State: IL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX Balance : {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
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 is in response to complaint XXXX. Experian failed to explain their method of validation for the account that they are claiming to be late. I asked for bank transactions, statements, and all historical information regarding the account and Experian only mailed me that the account was verified. This is impossible because I was never late. This is my second cfpb complaint in which Experian has failed to follow FCRA regulations. As a consumer I am allowed to be provided with the name and documentation on how this account was verified and Experian has failed yet again to follow the law. I will be following up with the BBB to move forward with taking this to small claims court if a real investigation is not conducted, sufficient evidence is not provided, or the late payment removed from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired XXXX XX/XX/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 2022-11-09
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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: Information belongs to someone else

Complaint:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
my government funds are placed in my account 5 days before I can have access to it. 

When items hit against the account before XXXX, when they say then can release the ACH, they still end up charging me {$29.00} overdraft fee which this should not have happened they are robbing people blind

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Mortgage Research Center, LLC
State: RI
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 located in XXXX, MO made a hard inquiry to my XXXX credit report without my authorization. I requested documentation of a XXXX XXXX loan application and they told me they " will not be able to accommodate my request ''. Their action was unlawful. 

Here 's the confirmation that they have NO documentation : XXXX XXXX ( XXXX ) To : you Details XXXX, XXXX XXXX will not be able to accommodate that request, and due to being unable to fully meet your expectations of a lender we will be ending our business relationship today. Youve earned your XXXX  XXXX loan benefits, and there are many lenders who offer XXXX XXXX and may be able to better assist you. Perhaps working with a local lender that you can have a face to face business relationship with could better meet your expectations. 

Regardless, we wish you nothing but the best on your home journey and would like to thank you for your service to our country. 

XXXX XXXX XXXX XXXX  XXXX ext XXXX | XXXX ( fax ) XXXX XXXX XXXX XXXX XXXX XXXX, MO 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