BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
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: Information belongs to someone else

Complaint:
It appears that 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 are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 ; XXXX Inquired on XX/XX/2021 XXXX XXXX feel there is a possibility these XXXX belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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 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 explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IN
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 just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile due to an EQUIFAX DATA BREACH. And in accordance with the Fair Credit Reporting Act, XXXX accounts XXXX XXXXXXXX and XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-25
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT XXXX which has been deleted by XXXX XXXX XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2017-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates is reporting on my XXXX credit report and for the amount of {$410.00}. This item is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX was charged for an amount of {$1600.00} for a healthcare service that ended up damaging me and cost me more money out of pocket. I cancelled the service early ( as there was more service previously booked ) and left the merchants home due to injury. I disputed the charge with Citi Bank, sent in proof of flights leaving the merchant, XXXX accommodation for time needed to heal before traveling back to my home, flight leaving back to my home, and an invoice from a local chiropractor from the damages done. I have provided ample amounts of proof for the dispute, while the merchant has none. Attached : -Proof of original flight. XX/XX/22 - XX/XX/22. -Proof of departure from merchant XX/XX/22. -Proof of XXXX stay. -Invoice proof of damages. 

The company resolved half of the issue, and is not assisting with the other half. I was told the other half would be taken care of, but now it just sits in my account is becoming a late payment. I have called multiple times, and each time I get a different answer. This other {$600.00} needs to be removed from 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 2022-02-15
Company: INTERCONTINENTAL CAPITAL GROUP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I started refinance on 5 investment properties with Intercontinental Capital Group in XX/XX/2021. By the time I received closing disclosures, the fee exceeds the loan estimate by 2 % of the loan amount. Then they told me that they can not honor the original term for 3 of loans, but can still restart the other 3 loans. After a couple months, the new closing disclosures still have the extra fees. Then we reached a deal to cancel the refinance, but they promised to refund me all refinance costs that I already paid out of pocket. It's been over half year since then, and they still haven't refund the total refinance cost. In the past week, they even stopped responding to my email and text messages. 

I also did my main home refinance with them at the same time, and at closing disclosure they also tagged on 2 % extra fee, and I have to take an extra .25 % interest rate to remove these fees. Since the rate was still below my previous loan, I took the deal though in this instance, though it's not what they promised in the original loan estimate. 

Overall, I feel this company is very dishonest in their business practice, and is running a classic bait-and-switch business practice. I had a nightmare experience dealing with this company in the past year, as they keep breaking their promises and abuse customer trust. 

I worked in mortgage industry myself and can't believe with all the customer protection laws passed in the past 20 years, there is still such company doing business this way and dodging regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found an item on my credit file from FAMILY SUPPORT XXXX XXXX XXXX # XXXX feel it is best to release/delete reporting this disputed information at once I will have no choice but to commence the unpleasantness of a Sections XXXX ( Notice of Error ) under Regulation X ( CFPB regulation ) that confirms my private right of action directly against your firm for FAILING to respond and CONTINUING to report disputed information after direct notice of said dispute was provided. You have 5 days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul all account records of derogatory, adversary, or elsewise deficient proof of full reporting compliance ( be it FCPB, FCRA, FDCPA, Metro 2 Compliance, or else whether mentioned or not ) claims or aspects of claims associated. There is missing information and details that are requirements for any data furnisher and they have not been met to the standard and this is causing me a financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: PA
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 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 explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2023 I received a letter from a no named company with no return address or or company name it says at the top Official business penalty for private use {$300.00} it's date XX/XX/2023 it said immediate response required and it has the phone number it states it's a final notice. It said the letter was to inform me that my Auto warranty was expiring it also said Our records indicate you have not contacted us to update your warranty policy call us immediately to ensure there is no lapse in coverage reach directly : XXXX. It said my approved warranty coverage, then listed several parts to a vehicle. On the back of the letter I said that based on my credit report it indicates that I met their criteria. It also states that Trans Union is whom I would have to call if I didn't want the offer. I called the number listed on the front and a man answered in a foreign language possibly XXXX he answered sales I told him about the letter and he said oh yeah in English your warranty is about to expire and I needed to renew. I asked him who was he he didn't say his name I said well what company is this a d he said XXXX XXXX I said I have no policy with you and I asked where did you get my information and he said it was sold by a credit bureau. I told him I didn't give permission for them to sale my credit report and that it's private he then said look I have another call and I said I will be contacting the FTC and he said do what you need to do and hung up. XXXX had already alerted me that my info was on the dark web O didn't understand what they meant but Transmission n sold my credit report giving them access to my social security number Dob, banking information creditors phone numbers and address. How can this happen? My credit report is frozen, therefore Transunion had no authority to sell my information.

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 2023-08-26
Company: EQUIFAX, INC.
State: TN
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 XXXX  Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: MD
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:
Equifax is NOT in accordance with the Fair Credit Reporting Act ( FCRA ) and NOT in compliance with the Fair Credit Reporting Act ( FCRA ) in Deleting and Removing, Unauthorized Inquiries from my credit report/file. See : 15 USC Section 1681 ( Section 602 ), FCRA 604 ( b ) ( 3 ) ( F ), 609 ( a ) ( 3 ) ( F ), 611 ( a ) ( 1 ) ( B ), 623 ( a ) ( 1 ) ( c ), 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 3 ) ( A ), 605B, FDCPA 809 ( b ). 
The Unauthorized Inquiries are as followed : XXXX XXXX  : XX/XX/2023 XXXX XXXX : XX/XX/2023 XXXX XXXXXXXX : XX/XX/2023 XXXX XXXX : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
For the XXXX time, my name is XXXX XXXX and not XXXX XXXX XXXX! 

I want the information on my credit report to reflect MY CORRECT NAME. Ive provided you with a drivers license and social security card that says XXXX XXXX and STILL this has not been changed. 

This is the last complaint I make about this issue, the next step is court so that a judge can tell you what Ive been telling you for the past 4 years. MY NAME IS 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 2021-07-06
Company: EQUITY RESOURCES, INCORPORATED
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Below is my statement ; however, a short summary is that I was promised a Mortgage Credit Certificate, paid the application fee, have an email from XXXX XXXX saying she had applied for the MCC and it was good to go, and ultimately XXXX XXXX forgot to process the MCC. This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. 

Toward the end of XXXX, I contacted XXXX and XXXX XXXX, with XXXX  Equity Resources, regarding a potential USDA loan with a Mortgage Credit Certificate ( MCC ) for the state of North Carolina. XXXX had stated that they are extremely familiar with both products. We discussed both products in detail and I decided to move forward with securing a loan through XXXX Equity Resources. 

On XX/XX/XXXX, XXXX XXXX contacted me via email stating that she had applied for the MCC. She then called to state that I would be receiving revised disclosures to reflect the {$470.00} MCC application fee. Every disclosure from XX/XX/XXXX onward included the MCC Fee. 

On XX/XX/XXXX, XXXX contacted me regarding difficulty obtaining an appraiser who could provide an appraisal before XXXX. Even though my closing date was for XX/XX/XXXX, I agreed to an increased rushed appraisal fee to receive the appraisal before XXXX. 

After not hearing from XXXX or XXXX, I reached out on XX/XX/XXXX to inquire about the appraisal. On XX/XX/XXXX, exactly three weeks before the scheduled closing date, XXXX informed me that the appraisal was never completed. XXXX stated : " I sincerely suggest that you talk to another Lender. XXXX is on a 2 day turn time so you should have no problem closing on time. You are fully approved with us, and Im glad to forward your documents. '' I did not find this acceptable, so myself and my realtor were able to find an appraiser to complete the task. 

Due to the appraisal being delayed by over a month, the closing was delayed by less than a week. Closing was changed from XX/XX/XXXX to XX/XX/XXXX, not even a week past the original date. 

A few hours following the closing, I emailed XXXX to inquire about the MCC paperwork and the logistics of that process. XXXX then told me that she had forgotten the MCC due to the change in closing, but she could refund the {$470.00} MCC Fee. 

This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. XXXX Equity is an approved lender for MCC through the XXXX. The only reason I worked with this company was due to the MCXXXX. 

I look forward to your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: GA
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 XXXX Account 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 intrusions. 
XXXX. XXXX XXXX XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. 
XXXX XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XX/XX/XXXX XXXX Balance Contacted the Buraus to notify not my account. XXXX. XXXX XXXX XXXX  Balance Contacted the Buraus to notify not my account. Duplicate Account XXXX. XXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account XXXXXXXX XXXX XXXX Balance Contacted the Buraus to notify not my account. Duplicate Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: AL
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 of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief