BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # starting with XXXX, XXXX XXXXXXXX XXXX Account # starting with XXXX, XXXX XXXX Account # starting with XXXX, XXXX  XXXX Account Ending in XXXX, and XXXX XXXX Account # starting in XXXX has violated my XXXXights.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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
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:
i seen this account on my report i disputed it i sent all the requiring documents proof of address and police report

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 2023-07-14
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a fraudulent credit card account opened without my knowledge at Regions Bank in 2018. I asked Regions to investigate and delete the account but they started the investigation and stopped even after I contacted them to let them know that I didn't open the account in 2018.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have accounts that's not reporting properly. In correct dates and amounts. In correct status.

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 2023-05-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX at approximately XXXX I deposited a XXXX XXXX check from my attorneys escrow account into my td bank account via an atm at XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX On Tuesday XX/XX/XXXX I noticed a 7 day hold placed on my check and within a few hours td bank closed my account. I rushed to the nearest td bank which at that moment was XXXX XXXX XXXX XXXX New York XXXX. I sat with in a room with a woman who told me my account is closed and she cant do anything for me. I asked her repeatedly about my funds and she was unable to provide me with any information, details, or next steps. She told me they would mail me my funds. Fast forward to yesterday XX/XX/XXXX. I enter a td bank on my work break twice. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  New York XXXX. At this branch I spoke to XXXX. XXXX referred to himself as the assistant manager. XXXX proceeds to tell me that my account was closed because my attorneys check was bad and theres an ongoing investigation. TD WILL NOT GIVE ME MY FUNDS BECAUSE THEY SAY I DEPOSITED A BAD CHECK. I called my attorneys paralegal XXXX and put XXXX on the phone with her. On my attorneys side the money has been WITHDRAWN. In my attorneys account they see my signature aswell as the check deposit into MY TD BANK ACCOUNT. TD BANK has my funds from the check aswell as previous funds from direct deposits from NEW YORK STATE UNEMPLOYMENT. TD BANK IS HOLDING MY FUNDS HOSTAGE, AND HURTING MY CREDIT SCORE. I have a td avant- loan that has been on autopay for years. On XX/XX/XXXX the autopayment was due, once td bank closed my account the auto payment was stopped now td bank avant calls me twice a day regarding the payment. The associates XXXX at td bank refuseD TO even give me documents to provide stating the status of my account and the hold of ALL OF MY FUNDS. TD BANK IS TRYING TO DESTROY MY LIFE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Report act XXXX Account # 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 a 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 non-monetary relief
Consumer complaint received 2023-05-16
Company: Ocwen Financial Corporation
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/, I became aware that my mortgage company, PHH, had failed to pay my property taxes from my escrow account when I received a delinquent tax notice from my town, with a penalty and interest assessment, and warning of a tax sale if the issue is not resolved. PHH had previously assured me on XXXX XXXX XXXX that it was " preparing the payment '' for my property taxes, and that " [ t ] here [ wa ] s no need to forward a regular tax bill to '' them. I was under the impression my taxes had been paid until I received the notice from my town on XX/XX/XXXX. On XX/XX/XXXX I immediately reached out to PHH by phone and email, providing the documentation and requesting payment of my taxes. I have since then continually followed up with PHH, by both phone and email, to no avail. The money continues to sit in my PHH escrow account, my property taxes remain unpaid, interest and penalties continue to accrue, and my home remains slated for a tax sale if the issue is not resolved. Today, XX/XX/, I received notification that the servicing of my mortgage account is transferring from PHH to 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 2021-12-13
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-06-19
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After recently applying for a mortgage to purchase my first home, I discovered some unauthorized inquiries made by CBNA on XX/XX/22 & XX/XX/22. Prior to disputing the inquiries I performed my own due diligence on the accounts. I do have an open account with this particular creditor, through a co-branded card with Best Buy. I have verified that these erroneous inquiries are not associated with 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 2023-06-12
Company: EQUIFAX, INC.
State: NV
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Westlake Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XXXX XXXX I went got a personal loan to pay off my car. Well on XXXX XXXX the check was cashed but Westlake said the check did not have proper documentation with it. So they had no where to apply the funds. On XXXX XXXX they came to repossess the car. Had already had the funds but did not apply the credits to my account. Well after calling and calling and then hanging up the phone. I got to speak with the lady that gave me the pay off amount. Again she stated the documents were incorrect and repossession was accurate. is not fair as a loyal customer to Westlake for years for them to take my money and want me to pay more. I feel Westlake owes me back for their mistake. I lost work for a few days and had to come up with extra money to get the car back after them cashing the check for the amount they said was owed. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: ENCORE CAPITAL GROUP 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: Reporting company used your report improperly

Complaint:
The debt collection agency Midland Funding. Has has a negative collection account on my credit report for a few years that has a negative impact on my credit score and the account has been disputed several times on XXXX, XXXX, XXXX but it came back verified each time and the balance history is completely incorrect so it should have been removed long ago. Ill include the balance history which goes up $ XXXX each month and it increased almost {$400.00} in XXXX. 
Below is the name of this collection agency, account number, inaccuracies. Again this was verified by all 3 credit bureaus & Midland Funding several times so it should be automatically removed from my XXXX, XXXX XXXX XXXX XXXX credit reports immediately. Thank you for your help in this matter I hope its now taken care of. 
MIDLAND FUNDING Date opened XX/XX/XXXX XXXX $ XXXX stated {$1800.00} on my credit report. 
Account numberXXXX Account type XXXX XXXX Date XXXX Status- Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1800.00} Highest balance {$1800.00} Balance History Balance history- inaccurate XX/XX/XXXX, XX/XX/XXXX, XXXX added almost {$400.00} to balance, XX/XX/XXXX, & XX/XX/XXXX All inaccurate dates and information. 

XX/XX/XXXX {$1800.00} XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23
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: Account status incorrect

Complaint:
The CFPB wrote a regulation in accordance with the law under the FDCPA to prevent debt collectors from communicating with consumers through any medium. XXXX XXXX XXXX ( XXXX ) violates that provision. 12 CFR 1006.2 ( d ). Suppose the XXXX XXXX  and XXXX does not delete the extension of credit from my consumer reports. In that case, it will be treated as a Racketeering Activity. XXXX is harming my reputation to extort me into repaying an extension of credit. 
I entered into this credit transaction without being fully informed about its provisions and how it would be used to extort me. 

Please see attached 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 non-monetary relief
Consumer complaint received 2021-12-13
Company: NAVY FEDERAL CREDIT UNION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this inquiry listed on my credit report is : CREDITOR : NAVY FCU, INQUIRY DATE XX/XX/2021

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Cedars Business Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX of 2020 my credit card # was used to make a purchase to XXXX for {$480.00}. I called XXXX to dispute the charge and they told me I had to dispute it with my credit card company. After disputing the charge with my credit card I figured the whole thing was done. I recently started to receive collection notices from Cedar Business Services for an amount turned over for collections from XXXX. I have spoken to Cedar Business Services in XXXX disputing the the collections attempt. The individual I spoke with referred to an email account used to make the purchase that is not mine, nor is it anyone I know. the address the items were delivered to is not mine nor is it the address of anyone I know. I fully dispute this charge and collections. It is not mine and was not authorized by me or anyone in my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2021-10-11
Company: YSA ARM LLC DBA Oxygen XL
State: FL
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX I mailed a certified dispute letter to Oxygen XL and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 10 complaints on XXXX they also have 5 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: SYNCHRONY FINANCIAL
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:
I noticed 2 accounts reporting on my credit report erroneously. I have written both companies asking for a contract with my wet signature and to no avail have either company supplied me with an original contract with my wet signature. It has been 45 days since I've called and written these companies and there has been no response they are supplying this information to XXXX, XXXX, and XXXX. These illegal reportings are hindering me from becoming a homeowner. Please investigate these companies.

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 2021-10-11
Company: MARINER FINANCE, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On or about XX/XX/XXXX of 2021 I had given XXXX XXXX right to request for my credit report and score to qualify to finance 12 windows for my home and was approved that day. I never received a copy of that information required by the FCRA. ( Please review attached text message and photo copy of hard inquiry dated on XX/XX/2021 ) On XX/XX/2021 and XX/XX/2021 Mariner Finance also requested my credit report and score which is associated with XXXX XXXX regarding their loan approval for financing. ( Please review attached photo copy of the inquiry requested on two occasion with the Credit Bureau ) I also never received a copy of the information required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$690.00} Inquiries : XXXX  Inquired on XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date 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 non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
I've made several attempts to request my credit report from XXXX XXXX report since XXXX XXXX XXXX. I've sent copies of my identification and proof of address but not response.

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