BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: ID
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 distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Torres Credit Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX 2. Validate Account XXXX XXXX XXXX  3. Validate Account XXXX XXXX XXXX 4.Validate Account XXXX  XXXX XXXX XXXX 5. Torres Credit Services I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Thank you for your time and help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
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 have contacted XXXX, Equifax, and XXXX in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. Statis 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 1666 A Creditor May not treat a payment on a installment account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted XXXX, XXXX, and Transunion in reference to this fraudulent account : XXXX in the amount of {$930.00} that reflects my credit report. I have contacted all listed agencies and creditors via mail 4 times. I provided them all with all the requested items to have the account removed from my credit profile. This items still remains on my credit.

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 2022-06-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Online purchase was placed on XX/XX/2022 order number XXXX for white Linen dress size XXXX, item # XXXX and white cardigan size XXXX, item # XXXX. The dress did not fit so I returned both items by mail per instruction for returns to XXXX. I called XXXX to confirm returns had been received also received email from XXXX XXXX on XXXX XXXX confirming the order had been returned was well. 
I also received a check from XXXX XXXX XXXX # XXXX for the return amount {$110.00}. On the check stub a statement saying * This check if for the item ( s ) you returned. We hope you will choose another item and order soon. Thank you for shopping with us. 
After a long conversation XX/XX/XXXX with assoicates/manager/supervisor at Comenity Bank advise there was still a balance due has applied a late fee and demanding I pay the balance and or make payment to items that have been return. This is the next steps that I am attempting to find a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: CA
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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-09-07
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the list accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX acct XXXX # XXXX, XXXX acct XXXX # XXXX, XXXX acct : # XXXX, XXXX XXXX  acct : # XXXX, XXXX XXXX acct : # XXXX, XXXX acct : # XXXX, XXXX acct : # XXXX. Personal information : Incorrect addresses XXXX XXXX XXXX XXXX XXXX, NJ, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

U.S.C. 1681A States I have the right to privacy.

U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection from Harvard Collection appeared on my credit report in the amount of {$1700.00}. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have not lived in the state of IL sinceXX/XX/XXXX, 11 years ago. I have had no communication from either entity for the last 11 years regarding any such debt. 

I have disputed this debt on the XX/XX/XXXX website and will also dispute it with the other two bureaus by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from XXXX, XXXX, and Equifax whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LOAN MODIFICATION AND QUALIFIED WRITTEN REQUESTS RE : LOAN NO : [ LOAN NUMBER, ADDRESS, ETC., REMOVED AS THIS SITE INSTRUCTED NOT TO INCLUDE AT THIS STAGE OF COMPLAINT PROCESS ] RE : XX/XX/XXXX FRAUDULENTLY ORIGINATED COUNTRYWIDE LOANS IDENTIFIED IN XXXX FEDERAL AND STATE CONSENT ORDERS/STIPULATE JUDGEMENTS. LOAN ACQUIRED BY NATIONSTAR COOPER IN XXXX BUT DOZENS AND DOZENS OF REQUESTS FOR RELIEF AND/OR THE COMPLETION OF STILL EXISTING MODIFICATION APPROVALS NEVER COMPLETED/IMPLEMENTED. NO PERMANENT MODIFICATION RELIEF OF ANY KIND PROVIDED TO DATE. 

[ NAME ADDRESS PHONE NUMBERS REMOVED PER THIS SITE INSTRUCTION AT THIS STAGE OF COMPLAINT ] SEE ATTACHED COMPLETE UPDATED DOCUMENTATION ATTACHED AGAIN TWENTIETH+ TIME SINCE XXXX OF XXXX ALONE WITH MANY, MANY DOZENS PRIOR TO THAT FROM XXXX THROUGH XXXX OF LAST YEARS. 

ALL REQUESTS FOR RELIEF RELIEF HAVE NEVER RESULTED IN ANY MODIFICATION RELIEF OF ANY KIND INCLUDING AS SPECIFIED IN XXXX FEDERAL CONSENT ORDERS/STIPULATED JUDGEMENTS, TWO PRE-EXISTING MODIFICATION APPROVALS BOTH INCOMPLETE BY NATIONSTAR/COOPER INCLUDING XXXX XXXX XXXX XXXX PRE-EXISTING NATIONAL MORTGAGE SETTLEMENT " XXXX '' APPROVAL BY NATIONSTAR 'S PREDECESSOR XXXX THAT WAS SIMPLY AWAITING IMPLEMENTATION OF XXXX COMPLIANCE TO THE APPROVAL ( ONE OF TWO THAT NMS APPROVALS BY XXXX ) BUT NATIONSTAR/COOPER HAVE FAILED AND/OR REFUSED TO EVER COMPLETE IT BY SIMPLY IMPLEMENTING NMS COMPLIANCE THAT WAS PENDING. 
XXXX. XXXX NATIONSTAR MODIFICATION APPROVAL FOR WHICH NATIONSTAR REQUIRED CONSIDERATION/EARNEST MONEY DEPOSIT THAT WAS PAID BY ME AND CASHED BY NATIONSTAR BUT THE MODIFICATION APPROVAL WAS NEVER IMPLEMENTED XXXX. ENDLESS REQUESTS FOR ANY COMPLIANT MODIFICATION REVIEWS AND IMPLEMENTATION THE RESULTS MOST FAVORABLE TO ME/PROVIDING THE MAXIMUM RELIEF INCLUDING BUT NOT LIMITED TO LOAN EXTINGUISHMENT/FORGIVENESS/EXONERATION RECONVEYANCE XXXX. PANDEMIC LOAN MODIFICATION RELIEF, ETC. 

SEE ATTACHED COMPLETE DOCUMENTATION I AGAIN SUBMIT FOR MODIFICATION OF THE XXXX FRAUDULENTLY ORIGINATED XXXX LOANS AT ISSUE INCLUDED IN XXXX FEDERAL CONSENT ORDERS/JUDGEMENTS REQUIRING MODIFICATION RELIEF. 

I HAVE PROVIDED BOTH AN XXXX LINK BELOW AND AS A DIRECT ATTACHMENT TO THIS EMAIL CONTAINING THE COMPLETE DOCUMENTATION FOR MODIFICATION AGAIN REQUESTED ELECTRONIC SIGNATURE [ REMOVED PER THIS SITE INSTRUCTION NOT TO INCLUDE AS THIS STAGE OF COMPLAINT PROCESS ] XX/XX/XXXX NOTE : I PROVIDED EXTENSIVE/COMPLETE DOCUMENTATION AGAIN AS PART OF THE ABOVE EMAIL TO COOPER AND ITS COUNSELS TODAY BUT DID NOT INCLUDE THE LINK HERE AS YOUR SITE INSTRUCTS NOT TO AT THIS STAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase bank is slowing the Mortgage Payment process down from the date a payment is made through Their online payment process by generating a paper check from My account and mailing the paper check to a Chase mortgage loan processing center. This can take over 8 days to send and receive the check. This allows Chase to generate additional interest credit against the mortgage. In my case, the process of generating a check, mailing and crediting the mortgage is taking 4 or more days and costing me an additional {$27.00} or more per day in additional interest. Along with this, Chase is deducting the amount of My payment immediately at time of payment online and floating the money until the processing center clears the check. Double dipping on Customers money. 

The compounding effect of this scheme is in the Trillions of dollars when applied Nationally to all Their mortgage account holders. Me personally, I will incur up to {$18000.00} in additional interest against My mortgage payments alone base on the current method of debits, checks, mailing and credit to My mortgage. 

We all know how fast the electronic banking system works. Chase can easily change Their computer system to apply debits and credits instantly. But, Chase has apparently found a way to generated additional interest generating methods that look legitimate on the surface. This scheme is underhanded and taking advantage those that have not paid attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Fraudulent inquires are reporting on my credit report from XXXX, Transunion, XXXX, and from the companies listed below. The fraudulent inquires are damaging my personal credit. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2021-04-18
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My husband and I came to us bank in XXXX kansas to close my deceased father 's account which I brought a certified death certificate to them and someone working there pretending to be the supervisor said he was alive but he has been deceased since XX/XX/XXXX. I'm my own payee and I was being told the run around that I can't get that money. I'm still waiting for this " acceptance letter '' in the mail and have no had access to the account for almost three months now. They put my father as legal guardian but he was my payee. The person who said he was alive has made it a life or death situation for me and my husband and I even went to the court house which they told me my father didn't put himself as guardian. I'm his only living child, I have no other family alive. The account is joint but I'm not allowed access to it.

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 2022-03-23
Company: Experian Information Solutions Inc.
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 have the below inquiries on my credit report. I tried for seceral months to get these removed from all 3 credit bureasu and I keep getting the run around. I did not sign for any of these inquiries XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal 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 2023-01-21
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
**THIS IS NOT A DUPLICATE COMPLAINT** SantanderUSA took part in a financing arrangement without lawful consideration rendering the agreement void ab initio . Similarly, the agreement was created in breach by ignoring and/or not giving XXXX XXXX XXXX full gaith and credit, full benefit, full remedy and/or recourse, providing accommodation and consideration to all applicable doctrines and accounting documents with full disclosure and compliance of the following : 15 USC 1605 Determination of finance charge 15 USC 1662 Advertising of downpayments and installments UCC 3-104 Negotiable Instruments XXXX XXXX Any and All Obligations IRS FORM 1099 C Cancellation and Reporting of Taxes As a result of the deficiencies found within the initial agreement between XXXX XXXX XXXX and both SANTANDER BANK its affiliates, subsidiaries including but not limited to XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX we again move to exercise our Right of Recission pursuant to 15 USC 1635. This response serves as our Notice to Cure and any escalation of these matters will enjoin XXXX XXXX XXXX and the XXXX XXXX XXXX and may lead to legal process at your cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: SELECT PORTFOLIO SERVICING, 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 already reached out to the credit bureaus and to SELECT PORTFOLIO SER for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation