BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-15
Company: EQUIFAX, INC.
State: UT
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 filed multiple disputes with the Bureaus and with XXXX XXXX directly with no response. I have a few collections reporting on my credit file that i was not notified about. I paid them as soon as i realized the accounts were being reported. I need these account removed from my credit file. They were reported violating my 30 day right to dispute and i no longer owe the debt. I haven't owed the debt for a while no and would like the accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 non-monetary relief
Consumer complaint received 2023-09-21
Company: Colony Brands, Inc.
State: GA
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT FILE. I DISPUTED SOME ITEMS THAT WERE NOT AUTHORIZED. TWO OF THE THREE CREDIT BUREAUS REMOVED THOSE ITEMS. I HAVE SENT A COPY OF THE ITEMS THAT WERE REMOVED, UNDER THE FCRA ANY ITEMS THAT HAVE BEEN FOUND TO BE IN ERROR OR REMOVED MUST SHARE THEIR FINDING WITH THE OTHER THREE MAJOR BUREAUS ARE REMOVE ACCORDINGLY. THEY REFUSE TO FOLLOW THEIR OWN GUIDELINES IN PLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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:
These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
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 status incorrect

Complaint:
I am XXXX applying for a Mortgage. The Mortgage company sent me a copy of my credit report and all three credit bureaus ( Equifax, Experian, TransUnion ) display : XXXX DELINQUENCY XXXX NUMBER OF ACCOUNTS WITH DELIQUENCY I have no delinquencies on any accounts and with this, there should be no " number of accounts with delinquency ''. This marks against my credit are completely untrue and unjustifiable to be on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
It has been drawn out into the open that you are not hindering items 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 items 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 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 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 non-monetary relief
Consumer complaint received 2023-06-19
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 non-monetary relief
Consumer complaint received 2022-05-31
Company: Mnet Financial Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX stipulates that colonoscopies will not result in charges, co-pays or deductibles, to the patient. 
XXXX of XX/XX/2021, paid " doctor fee '' of {$100.00} on day of visit, and then billed {$140.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dr office says it was XXXX XXXX XXXX' not XXXX XXXX XXXX' since a XXXX was removed so they can charge. To my understanding according to ACA it makes no difference. 
And how would anyone know if there was one removed anyway.

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 2019-04-08
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I opened Citibank account XX/XX/19. I was never told debit card was connected to checking account. There is a merchant on XX/XX/19 Citibank is allowing to double charge me. Today, XXXX I was online to see statement and called because it didn't balance and is overdrawn. Also I do Not have overdraft protection so I should Not be overdrawn. But Citibank says I am. I printed the online statement where only {$80.00} appears. {$80.00} was charged and posted on XX/XX/19 for XXXX XXXX in middle of week. Citibank supv. Said Citibank is allowing charge to change Unauthorized!!!!! I called merchant and they had several different names : first XXXX then XXXX. I told her I wasn't married-no XXXX and XXXX not me either. 1. It sounds like someone else used my card, 2. I do not have overdraft protection so this would Not have gone through. I think it's a scam Citibank is doing-it 's days after after posted, and 3. I did not authorize this charge. And I specifically asked for and Confirmed with banker at time opening account that I do Not have overdraft protection. *******

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 2021-10-28
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Made over-payments on account totaling {$870.00}. Asked for overpayments to be applied to principle. Bank Of America took my UNINVOLVED monthly payment, reversed it [ but never refunded ], broke it down into two parts including a mysterious {$620.00} payment, and then applied the other {$870.00} part of it in place of the {$870.00} pre-payment owed, wiped out my pre-payment balance, claimed " that '' was the overpayment, and then never gave me the actual principle credit. Account standing is identical to if I never had any paid-ahead balances applied, only now that paid ahead status has been wiped out. Payments were completely misappropriated. This is impossible to easily explain because what they did is so improper that it can not even be quantified.

BOA admitted fault, was in the process of fixing, and then call was disconnected. Mysteriously unable to get ANYONE on the phone since to admit there was an error. Bank is claiming that paid-ahead balances are already applied to principle. WAIT, WHAT? Even the local BOA bank branch and manager openly admit this is completely wrong and spent hours on the phone with these morons, but BOA Auto Loan department refuses to fix it, and continues to argue what can easily be proven with a calculator and a few brain cells.

DO NOT DEAL WITH BANK OF AMERICA. These people are the definition of deceptive business practices! What part of a paid ahead balance being OWED TO THE CUSTOMER is the least bit confusing?

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 2019-04-08
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted numerous Loss mitigation packages to Round Point Mortgage Servicing Corporation. My application was denied and I was notified at the same time that my loan was being transferred to another servicer and now I have been notified that my home is up for an auction on XX/XX/2019. 

I tried calling the new servicer XXXX and they told me that my loan would be ported to their system by XX/XX/2019. I did in fact call XXXX on XX/XX/2019 and they told me that there was a hold up on the tranfer of all of the files from RoundPoint Mortgage Servicing Corporation. 

I can not get my new loan number, I can not do anything to help my self, because of this issue. I house has a sale dte XX/XX/2019 and XXXX may not have time to review a new modification package in order to stop the foreclosure sale. 

This is not right what RoundPoint Mortgage has done to me and my family. 
I have a sale date on my home and I am between two servicing companies RoundPoint and XXXX and neither one can help me at this point. What do I do? 

As of XX/XX/2019 XXXX became the new Servicer for my loan. XXXX has no information concerning my loan.

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 2023-09-22
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a China cabinet on XXXX XXXX. A XXXX offered to purchase. We wrote via XXXX XXXX XXXX messenger. She asked if she could send a check. I said sure she waited a couple days to send it. She advised that she sent it with extra money in order to provide cash to the shipping company once the item is picked up. I received the check via United States Postal Service tracking number XXXX. 
I deposited the check on XX/XX/XXXX sent a receipt via XXXX XXXX messenger to XXXX. She said that it will probably clear by Monday Tuesday morning. On XX/XX/XXXX It looked as though the check cleared and the money was in my account. She then proceeded to tell me that the shipping company needed the money upfront to send {$500.00} to see if it goes through via, Zelle. So I sent it to the phone number she provided, which is as ( XXXX ) XXXX. She asked me to send her a screenshot. After that was sent she said go ahead and send {$1000.00} and you can give them the other XXXX at the time they pick up the item. She then came back to the me, and stated that the shipping company wont set up the appointment without the full amount. To go ahead and send the other {$500.00} which I did. She said that the shipping company kept on telling her they didnt receive it. I said they need to call their bank and verify. She then advised they received and shipping will be set up Wednesday the XXXX. I messaged Wednesday morning and it said it Couldnt Send I look at my account and the check was returned and my account was negative. I called the bank and submitted a claim and XXXX sent a letter stating No Action will be taken. I have all the messages and the envelope the check came in. I really hope someone can help me out or direct me of what i can do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: MI
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:
Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. 
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 2019-04-08
Company: CITIBANK, N.A.
State: NJ
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:
I received an unauthorized hard inquiry on XX/XX/XXXX from Citibank Na., Best Buy. I did not authorize this inquiry. and i have had a credit card from Best Buy since XX/XX/XXXX. I attempted to call back and dispute it but i received a letter saying they could not find the inquiry. The inquiry is appearing on XXXX, XXXX  and XXXX from what I saw.

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 2018-09-11
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Greetings, Thank you for trying to protect us from evil. First off, I have been a Chase customer for many years and I have PAID OFF SEVERAL BALANCES ON TWO CARDS. My balance is 0 now, I have not used card in a few months and I am getting phishing scams on a personal email for my info., so I call Chase to lock my acct. for a few months, because I don't want to close acct., effecting my credit score. They are oh so nice and tell me yes they can lock both my business and personal acct. for a few months, just call when I want to use. Now today I get an email, telling me, if I don't use my acct. THEY WILL CLOSE IT. Chase is the most evil company I have ever dealt with & they need to be held accountable for their evil practices against customers who have paid their debts for years & have excellent credit and THESE COWARDS NOW WANT TO CAUSE MY CREDIT SCORE TO BE LOWERED BY CLOSING MY ACCT. PLEASE PLEASE ADMINISTER FINES TO THIS COMPANY FOR CUSTOMER ABUSE. I DON'T WANT TO CLOSE MY ACCT. BUT THESE COWARDS ARE FORCING ME TO CLOSE THE ACCTS. BECAUSE I AM FOCUSING ON PAYING OFF MY DEBTS AND THEY CAN'T STAND IT. PLEASE HELP US PROTECTION BUREAU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I requested from my lender NationStar XXXX MR COOPER XXXX report my mortgage to 3 major credit bureaus and to show my good payment history for XXXX  years paying my monthly mortgage payment on time so my credit score will go up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Honda financial is harassing me, with calls and letters. My loan is paid off and I have my lien release letter and already have my clean title. Please Ask them to stop. Legal action will follow If this does not cease. I have also sent them a cease and desist notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I didnt get my front line worker money and they sent me an email saying there was wrong with the 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 2022-06-03
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: Account information incorrect

Complaint:
I mailed Equifax disputes at the end of XX/XX/XXXX certified mail since each time they pretend to not receive my letters. Equifax has now added payment history and late payments to collection accounts from XXXX which goes against FCRA and also cause me to be denied credit. When I called them, the automated systems keeps telling me they can't find me although I provide the info that matches exactly what they have. Also the representatives hung up on me and one even transferred for me to equifax XXXX in the middle of me speaking mind you I am in the USA and called the USA line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation