BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting Act. The following inquiries have violated my consumer rights to privacy and confidentiality under! 5 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly sent and called the all of the credit bureaus and requested that the inquiries removefor they my were not authorized by me nor did I give consent to any of these companies to pull my credit report, these following inquiries are violating my rights as a consumer. XXXX has refused to help even though they have had many inaccurate info on my reports. 

These inquiries has affected me immensely and i want these inquiries deleted immediatley!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: SYNCHRONY FINANCIAL
State: TX
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:
SYNCB/PHILLIPS66, XXXX XXXX XXXX, XXXX, FL XXXX SYNCB/PHILLIPS66 has a inquiry on my under my name & social security number. I did not apply for Phillips 66. I contacted them with lifelock & notified them it was identity theft and to please remove it from my credit report. 
As of today it is still showing on my credit report as a 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is already on my credit and I keep duplicating and keep sending me things through the mail about the same account already on my account is this against the law can this be removed thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: JH Portfolio Debt Equities, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a credit card debt with XXXX XXXX XXXX who sold it to Credit Control, llc under the name XXXX XXXX XXXX & i disputed 7 times the status Failure to pay with XXXX  & XXXX & they continue to say it's valid even w/ copy of ck  {$270.00} pd XX/XX/18, it dropped my score & updated as a Open acct which is also incorrect! The company refuses to fix it saying its XXXX XXXX fault. Call XXXX XXXX they say its XXXX XXXX  fault either way how is it failed to pay w/ letter of payment in Full?? They promised to update as paid per verbal Recorded statement.

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 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXX XXXXXXXX XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXXXXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$4200.00}

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 non-monetary relief
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Citi Group Issued Double cash card. For example, charges from XXXX appeared starting XX/XX/2020. I HAVE NOT USED XXXX IN XX/XX/2020AND I HAVE NOT AUTHORIZED ANYONE TO USE MY CREDIT CARD TO PAY FOR XXXX. I HAVE NOT BEEN in XXXX XXXX or other cities/stated the crarges originated from in XX/XX/2020. 
Multiple times I informed the credit card by online messaging and on the prone about a number of fraudulent charges starting XX/XX/2020. fraudulent charges. At the moment AFTER MULTIPLE ATTEMPTS FOR MANY DAYS I am unable to access my online credit card account. After long wait, after reaching customer service representative the either hang up or transfer again to the waiting queue without doing anything. 

The CIti online system does NOT work! I am unable to reach my credit card account! 

I will NOT pay my current statement charges loaded with fraudulent charges unless they are removed and the breach is addressed by Citi Group.

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 2023-08-29
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other 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 2019-06-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Ive called every credit inquiry I dont recognize. They all said to let Equifax know, but they won't even let me get a report because they must suspect something and would like to know its really me. I have 3 hard inquiries alone from XXXX XXXX but I only applied once. XXXX XXXX said it could have been a mistake on someone else 's part ... But I dont beleive that. The motorcycle lease hard pull wasnt mine, nor was XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX????? None of these are familiar and I haven't applied for any type of job like that. But I think it's those Thurs party people doing whatever they feel and it's affecting my score. Exhausted with all this XXXX. I just want XXXXXXXX XXXX  taken off as well as all the hard inquiries from the ones I didnt put there I would like them off XXXX  ... XXXX ... and Equifax. Thank you for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I became homeless and had to cancel my car insurance. I notified the agent at XXXX, XXXX XXXX, but they still charged another month. It went to collection for {$51.00}. 

I am not disputing the validity of the debt, and the debt is not paid. ( That was the only option I could choose that made sense on the complaint form. ) However, the original date of delinquency was almost 8 years ago. It should be removed from my credit report per the FCRA. I mailed a dispute form to XXXX about six weeks ago, after getting a copy of my credit report from XXXX I got a reply from XXXX on XX/XX/XXXX. It does not address my dispute, and I believe does not honor my rights under the FCRA to remove negative information after 7 years. 

I've attached a scanned copy of the relevant pages.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have attempted to close my credit card account as my annual fee is hitting. ( I got an email with my statement. ) When I go to log into my account online, I log in, but I cant access my credit cards at all. Even if i wanted to make a payment its not even possible. I also called the number on the back of my credit card ( s ) [ I have 2 with Citi ], and when verifying by phone number or social security number, they dont recognize me at all? 
I haven't changed my phone number at all since I've had any account with Citi, and I see no reason they wouldn't be able to see which credit cards I have by my social security number. 
Also when trying to get a hold of a representative through their automated phone service, I get the reply '' I'm sorry were currently experiencing extremely high call volume ... '' and immediatly get hung up on with no callback option or anything. 

What am I supposed to do? I want to close all of my accounts with citi at this point. 

From the email that shows my balance It has the option to view statement ... I cant even access that when i try to log in either. 
Statement date : XX/XX/2020 Payment Due Date : Saturday, XX/XX/2020 XX/XX/2020

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 2018-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is now the 3rd complaint submission to the CFPB about the same problem, as Bank of America continues to " lose '' faxes and continuously tell me wrong information that keeps me running in circles. As of XX/XX/2016 my father passed away ( XXXX XXXX ). The home I live in was under mortgage with BOA and my father was the borrower. I am the sole beneficiary on the deed. My father XXXX   unexpectedly. I, soon after his XXXX contacted BOA about taking over the mortgage. Since that original call, I have applied for modifications ( under the suggestion of BOA reps ) multiple times. Some have been " lost '' and some were just denied. A rep from the qualified assumptions department stated all he needed was an " affidavit of death '' I did that. It led nowhere. I then submitted information to the " title change department '' they then had me apply for a modification, that was subsequently denied. XXXX XXXX of BOA had me then fill out a qualified assumptions package. I checked with her several days later. She stated it was " lost '' She said she would call me the following Friday, XX/XX/XXXX. She never called, and every time I tried to contact her BOA message stated " your customer service rep is not available ''. I then submitted my 2nd complaint to the CFPB. I received a call from " XXXX '' in regulatory complaints. He stated assumptions are done all the time with no problem and all I needed to do was send in a letter with the deed to become successor in interest to this department " noe-rfi ''. The address XXXX gave me came up undeliverable by the USPS. I called him back to double check the address. He never returned my call. The letter was sent with tracking and signature required. The letter was never picked up. I have included a recent document from BOA, that clearly states I am eligible to APPLY for an assumption but to be approved would be based off of a credit report and the " ability to repay ''. This letter DIRECTLY contradicts everything the CFPB has clarified regarding heir 's taking over a mortgage when a borrower dies. The CFPB directly states in those circumstances the heir should not be made to jump through unnecessary hoops and also should not trigger the " ability to repay '' rule. I wish to remain in my home, I wish to assume the mortgage but with BOA constantly telling me the wrong information and losing my faxes, I continue to get nowhere. Please help. 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 non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 pulled my credit report recently and noticed a hard inquiry for XXXX XXXX XXXX XXXX in XX/XX/2023. I do not have an XXXX XXXX XXXX XXXX account. Please launch an investigation into the inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiries are invalid, I am requesting that them be removed from my credit report as soon as possible. But if the creditors are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted According to U.S. Code 1681i for the Treatment of inaccurate or Unverifiable Information, in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

Thank you for your cooperation in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted PHH Mortgage today ( XX/XX/XXXX) and advised them that due to COVID-19 I could not make my mortage payment BUT I could pay the principal and interest on time ( by tomorrow which I have done anyway ) and then the escrow amount when my stimulus check arrives, hopefully within the next two weeks. 
They indicated to me that the payment of principal and interest would be placed in a suspense account until the escrow amount was paid and I WOULD be charge a late fee. 
That does not seem ethical. The escrow funds belong to me not to the lender, it is my money that they collect as a convenience to the mortgage holder NOT REQUIRED. The principal and interest is being paid on time and that should not be subject to a late fee, after all they are collecting interest on the money that they are holding and not applying to my account. 
My only option is forbearance which I don't really need, nor do I need the additional interest being accrued during the forebearance period. 
I appreciate that they have a forebearance program for people but that is not what I am asking for, only that they waive late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: WA
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:
I tried to freeze and order my credit score, credit report, and correct the many errors. 

I could not complete the transaction to protect my credit, I have experienced identity theft and charges to my bank. Why do these agencies make billions selling lies about consumers. 

Why are insurance companies allowed to use a credit score that fluctuates like the wind blows for pricing insurance? 

Why did the government allow banks and insurance to merge causing the 1998 crash of the economy and what are you doing about it now. 

XXXX XXXX company allowed me the make payment arrangements, I paid before the due date promised. I still was turned over to collection agency affecting my credit. I want them to remove it and write me a letter confirming the removal from all 3 ( or ALL ) unfair credit reporting agencies. 

The credit reporting agencies are reporting debts that are over the allowed time period on my reports. 

I was denied HOUSING because of their unfair reporting practices. 

I am XXXX and a XXXX XXXX that demands a government to protect me from credit agencies, insurance practices, real estate INFLATION, and banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 10th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$940.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/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 2023-10-18
Company: Experian Information Solutions 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:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-04-21
Company: I.C. System, 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: Old information reappears or never goes away

Complaint:
This account was opened over 10 years ago. This date keeps changing each time a new creditor receives the account. Now its saying opened for 6 months. Something definitely isnt right. Maybe it was the fact that I told them that its not on my credit and very old, so I wasnt going to pay it. All of a sudden, its been opened for only 6 months. Im trying to currently repair my credit, and this inaccurate information/fraud isnt helping. This is not fair and against the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: CITIBANK, N.A.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2015 I bought a wedding ring from XXXX XXXX XXXX. The ring was priced just under {$900.00}. When I told salesman I would take it he said : " 6 months same as cash ''. I was living in XXXX. My sister and brother n law went three times to pay the ring off before the XXXX month. A new sales person was disappointed they weren't there to buy something and said, " Without an account number I can't help you. " This was an untrue statement. About two years later I came home and went in to pay the ring. They said " Without an account number there nothing we can do. '' I got the manager. He made one phone call had my account number and a service representative on the phone. They said I owed nearly {$1300.00}. I explained what their sales staff did. The rep. agreed with me and I paid off the ring for the original price. Now I see they are ruining my credit. I want this report amended to show it was their fault not mine. We ( sister and I ) will take them to court if this isn't settled.

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