BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: VA
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: NAVY FEDERAL CREDIT UNION
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 information incorrect

Complaint:
I filed a complaint with the CFPB previously about Navy Federal reporting incorrect information to the credit bureau. They contacted me within 3 business days and corrected the problem. Navy Federal is now reporting more wrong information and when I contact them they tell me that they dont see it. The incorrect information is on their site and on the 3 credit reports. The information theyve falsely reported is significantly bringing my credit score down. The amount is XXXX dollars with 8 late payments. Never ever made this charge and they wont allow me to close this account. I want that charge removed and my account closed. 

Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: PA
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 a letter in the mail from XXXX XXXX  dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. 

I DID NOT apply for this card. I contacted XXXX XXXX  to make them aware. I also filed a dispute with Equifax to have the hard inquiry removed from my credit report. 

I have also put XXXX alerts on all XXXX of the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, when I closed on my home, I was not informed that I was required to pay for the insurance premium upfront. At the time, paying the premium would not have been an issue. After several months, I received a letter that the premium needed to be paid for the insurance not to be canceled. I immediately called United Wholesale Mortgage to see what needed to be done and why the premium had not been paid. I was told that UWM needed to know where to send the payment and that it would be resolved. XXXX XXXX contacted UWM  on XX/XX/XXXX and XX/XX/XXXX requesting the payment. UWM never reached out to me to ask that I send the payment out of pocket. A couple of months later, I received another notice that the premium still had not been paid. Once again, I called UWM to see what was happening and even spent a couple of hours trying to get UWM, XXXX XXXX, and myself on a three-way call. After being unable to set up the call due to someone always disconnecting, I provided UWM with all the contact information for XXXX XXXX. I asked if there was anything else I needed to do to resolve this, and I was told by the UWM agent that there was no further action required on my part and that the matter would be resolved. Fast forward to XXXX, I received a notice that my mortgage payment would go up {$750.00} per month and that the first new payment was due in 15 days. I called UWM again to see what was happening and was informed that the insurance matter had not been resolved as I had been told. Instead, I was placed on forced insurance, which was a premium of around {$5400.00}, and backdated to XXXX. This resulted in a much higher mortgage payment. The quote I initially secured with XXXX XXXX went from {$1600.00} per year to {$3400.00} per year when I tried to reinstate my original quote. I am not sure why not a single person informed me that the initial payment was to be made by myself and not by escrow. If I had known this, I could have easily handled it right after closing. Now I am struggling to provide with a single income while my wife is a full-time student taking care of our XXXX son. Being a new parent is supposed to be an exciting time, but the stress of trying to get this resolved with minimal response and struggling to meet this new payment has taken a devastating toll on my family. I have submitted several requests to UWM to rectify the situation and have been stone-walled with multiple denials. They could not even find the courtesy to respond to my requests, and I have had to find out by calling for an update and requesting that the response letters be sent to me. This was not an instance of laziness on my part, but this situation would not have occurred if there had been better communication on behalf of the mortgage company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: AL
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/2023 ) 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It has been drawn out into the open that you are not hindering records 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 things 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2021-05-08
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My previous bank Simple Bank has apparently " transitioned '' to BBVA - Process to set up new online access does not work, I can not access my account via automated phone system, no branches near my home, and they " transitioned '' on a day that no phone service is available. Now I am locked out of my account and cant access my funds, nor can I access a person at the bank to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-01-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, GENESIS CREDIT MANAGEMENT added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, GENESIS CREDIT MANAGEMENT has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX Equifax Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.

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 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: IL
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:
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Former XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XX/XX/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 2023-05-16
Company: EQUIFAX, 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:
Due to a breach from Equifax ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: AL
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/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
Reporting a closed bank of america account for late payments as well as dropped credit score XXXX point in less thank 30 days ... also reported amount was {$500.00} and then {$200.00} I called XX/XX/2022 they corrected it by XX/XX/2022 then reported the same information causing credit score to drop I disputed twice XX/XX/2022 and XX/XX/2022 asking to remove late payment due to accout being paid in full and not being late information reported was false

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 2018-08-15
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed with Experian last week regarding an account reporting the wrong date the account was opened. I have two accounts on my credit report with Experian which is the original creditor XXXX XXXX, account number XXXX and the debt buyer of the account XXXX XXXX, account number XXXX. XXXX XXXX is reporting the date this account was opened as XX/XX/XXXX. The original creditor XXXX XXXX is reporting the date opened as XX/XX/XXXX. Experian blatantly ignored my request for investigation into this matter. Its very obvious as both dates are on my report and XXXX XXXX shows the account was purchased by 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