BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: Mr. Cooper Group 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: Old information reappears or never goes away

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX ( XXXX ) XXXX The account was charged off in XX/XX/XXXX. My XXXX and XXXX credit report is showing for the last 5 years ( EVERY MONTH ) that I have been delinquent. It also shows that I made a payment in XX/XX/XXXX which is simply not true. I have disputed this account multiple times and it was removed once, only to reappear two months later. I get a run around everytime I call XXXX XXXX XXXX to try to straighten this out. I have also paid taxes on the charged off amount in XXXX. Can someone please investigate this and have this removed from my credit report? 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all three agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on XXXX, transunion,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
SC Housing is showing 120 days late for 17 months. The account still shows open and has been paid off since XX/XX/XXXXXXXX XXXX It still has a balance on the account. all of XXXX it reported me late and I have documents stating that I was current for that year. On my report it shows I was late XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX the account was already paid off by then.

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 2020-07-30
Company: EQUIFAX, INC.
State: TN
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 LIVE IN XXXX, TN  BUT SEEING ACCOUNTS OPENED IN THE STATE OD TEXAS   THESE ACCOUNTS ARE DO TO A DATA BREACH CAUSE I HAVE NEVER OPENED ACCOUNTS IN TEXAS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: EQUIFAX, 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 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. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX 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 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 2022-11-01
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:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts. 

INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2019-04-26
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:
After being a victim of identity theft I'm disputing the unknown, unauthorized accounts that's reporting on my file, and the data is currently being updated as if the fraudulent illusion was accurate. However, I'm demanding that these accounts be blocked immediately and the data reporting be stopped and removed, unless the credit reporting agencies can produce a legal certified tangible document that binds me is such signed contract, until then I'm loudly demanding that the following accounts be removed, ( # 1 ) XXXX XXXX XXXX {$1500.00}, ( # 2 )  XXXX XXXX XXXX {$130.00}, ( # 3 ) XXXX XXXX {$13000.00}, ( # 4 ) XXXX   XXXX XXXX, ( # 5 ) XXXX  XXXX  c {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX, I am a single-owner XXXX with no full time employees. We're so small that our credit cards for business are all taken in my name. My company 's name is - XXXX XXXX, XXXX dba XXXX XXXX XXXX. 

This complaint - about Capital One visa -- is centered around an Insurance company 's push to collect ( going back to XX/XX/XXXX ) advance payment for 2 Insurance policies ( only 1 needed ) that were soon after deemed to " not have the right coverage '' and the upper limits of {$3.00} Mil to cover our risks on contracts for our customers. And, the second policy was paid for in XX/XX/XXXX for {$2300.00} on our Capital One visa. Soon after paying this way, we found out that we had no insurance coverage ( Per our sales rep - XXXX XXXX, at XXXX XXXX, affiliate of XXXX XXXX XXXX XXXX ). 

There are parties at the XXXX XXXX XXXX that have been forcing re-bills for the transaction with Capital One believing whatever story that they have, and refusing to hold up the validity of all of our Documents/ Proof attached -- - Including the Virginia State Corporation 's involvement in our case with them. ( see attachment called " 2 refunds and 2 forced re-bills ). 

Please see all attachments and most important to start -- is a PDF of the XX/XX/XXXX purchase of -- {$2300.00} that was Refunded by Capital One when we contacted them in XX/XX/XXXX after XXXX XXXX XXXX XXXX notified us that we had " no special overages as required by our company, that they wanted to charge {$2300.00} for premise liability only- '' - which at that time, the first policy attempt with XXXX  that was cancelled to the inception was only {$690.00}. 

Please note, that although this insurance company 's short ( refunded {$200.00} less than owed ) on that first policy, written for only 10 days in XXXX, that the short refund on that one ( paid by check ) was {$490.00} only when we had paid {$690.00} for it 2 weeks earlier. 

All proof and documents attached, including emails between myself and this insurance company. THEY STILL OWE - XXXX XXXX XXXX over {$2500.00}, including the {$2300.00} and Capital One has NOT EVER PROVEN THAT WE OWED IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance due to loss of income related to XXXX. In XX/XX/2022, I was told by Citizens Loss Mitigation Department that the forbearance could be extended another 90 days until end of XXXX. 

In XXXX, on Citizens advice, we applied for the deferral payment option where the amount due is added to the end of loan. 

On XX/XX/XXXX, I called Citizens to check and they said I needed to pay two months mortgage so that my account is only 18 months past due which is a requirement for the deferral program. I made 2 months payments. 

On XX/XX/XXXX, I called Citizens and they said the the deferral payment is being setup and I should receive a letter. 

On XX/XX/XXXX, I called again to make a one month payment so that the mortgage is only XXXX months past due. 

On XX/XX/XXXX, I called again and was told the deferral payment program was denied because forbearance ended in XXXX and the XXXX last months were actually late payments and now the only option is loan modification. I made the full balance payment of $ XXXX or so to bring my account current and get it removed from loss mitigation. 

On XX/XX/XXXX, I called again because my online access has not been restored to make payments. They said the account is still under loss mitigation and the amounts charged are in a suspend account and not applied to the loan. I was told it can take 45-60 days for it to be removed from loss mitigation. 

Citizens has mislead me, caused financial hardship and stress. I am retired and only get social security income and on XXXX. They don't provide anything in writing even when I ask them to email me what they are telling me over the phone. I have wasted countless hours on the phone with them. 

Every time I call them, I first get transferred to a collections department in XXXX. I have to explain everything before being put on hold for the loss mitigation department. So just to make a payment is a 30 minute exercise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
I requested and received {$1000.00} XXXX dollars worth of Pesos from Bank of America for a vacation I took in XXXX to XXXX XXXX XXXX. 
The currency arrived as expected and I counted and confirmed in contained the correct value of pesos. ( Approx XXXX MX pesos ) I then went on vacation. 
I used my smaller bills on vacation since we did not spend very much money at all. The remaining currency I left with my in-laws who had an extended sat in XXXX. Included in this currency were two bills ; one for XXXX pesos and one for XXXX pesos. 
My Father-in-law subsequently informed me that he was having trouble with these two bills as they were not legal tender having been withdrawn from circulation in XXXX! 
I called Bank of America to see how to resolve this issue. They told me to have my father-in-law contact his local BOA branch in XXXX Texas to resolve the issue on his returned. When he did they were unable to help. He subsequently mailed the bills to me and I called BOA at XXXX. 
I gave them the confirmation number for the exchange : XXXX and they informed me that they could see the exchange but that it did NOT include a XXXX nor a XXXX peso bill!!! I told them that I did not care what their records showed as I had the bills in hand and know they were part of the original exchange. ( I have had no other currency exchange to pesos in years! ) and was very careful to ensure the " total '' value of the bills when I received them. I did not check for the validity of the bills that were sent to me and was not aware that these two bills were not legal tender when I received them from Bank of America.Bank of America are looking into this under case # 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 2019-04-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I tried to get XXXX three bureau credit report with credit score product online and paid successes fully but their system unable to get report from one credit bureau " Experian '' blocked my accesses unable to get credit report and score from them. I called XXXX customer service and they tried their end and they are unsuccessful to resolve matter. They give me Experian Credit bureau number which i called many times until i got customer representative and i explained why my report blocked, she looked my account and other information and tried it but she is unsuccessful also and only she told me send free credit report and look and match all item is correct then call us again until then. I want to know what went wrong they blocked my reports? What reason i am not getting reports? i tried Experian product too but same reason i can not get.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 non-monetary relief
Consumer complaint received 2023-08-18
Company: Autovest, L.L.C.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My payroll is being garnished for a vehicle that was involved in an accident. The vehicle had full coverage and gap insurance to cover whatever expenses occurred after the accident due to it being written off. The vehicle was not my car. I never drove the car or even got into the car. Im confused why Im being liable for something that is not mines and wasnt even notified of this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also believe this same company garnish my wages before at a previous employer in the year XXXX. 
The company is Autovest Financial Services LLC being represented by a collection agency 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind accounts. No knowledge account. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. I have enclosed a copy of my credit report and circled the fraudulent items on the report. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report and sent notice to the businesses involved. 
XXXX XXXX XXXX XXXX XXXXXXXX **** Not my account. Please delete. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not my account. Please delete. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Not my account. Please deleteXXXX XXXX XXXX XXXX XXXX XXXXXXXX Not mine account. Please delete.

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 2022-10-25
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:
This is one of my numerous attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX Date Opened XX/XX/2008 Balance {$180.00} This is not verified. I contacted the furnisher and they have refused to provide any documentation or they are unable to provide documentation proving the claim or the accuracy. This remains inaccurate, incomplete and not verified. You are REQUIRED to delete this immediately according to FCRA Sect. 611. Please ensure this account is removed within 5 days! 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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