BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX bank : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 2023-05-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2023, Amsher reported to Cfpb that they would be removing all tradelines from my credit report. As of XX/XX/, Amsher has failed to do so. I respectfully request intevention by Cfpb, Please refer to Amsher 's responding statement to Cfpb : " AmSher will request the account be removed from her credit reports. Be advised, this in no way suggests that XXXX considers the account to be invalid or inaccurate. Please allow up to sixty ( 60 ) days for each of the credit bureaus to update. Thank you for allowing AmSher an opportunity to address the consumers concern ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, Equifax and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on this account would be removed from credit report by a representative of this company. This company has violated my rights and have not honored their promised as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: REVERSE MORTGAGE INVESTMENT TR
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
copies of documents attachment tax refund request XX/XX/2019 The reverse mortgage funding received my home owners tax credit from XXXX year end and I have made several attempts to contact them to request the error as ask for a refund in the amount of the {$2100.00} tax credit I have gotten my attorney involved communicating with them by sending a request for refund letter dated XX/XX/2019 and they have not provided a response since the attachment explains the detail regarding the refund request. currently they have ignored the request and have provided no response to date. I have previously discussed this matter with the RMF service representative and recently turned it over to legal for a resolution and have not received an explanation of why they are withholding the refund request. I have provided the contractual agreement surrounding the refund explaining that they are un-rightfully holding the homeowners tax credit that is due to me the homeowner according to life expectancy set aside amount of XXXX that they withheld from my home equity at closing they suppose to pay the property taxes and insurance as it becomes due to be paid. 


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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 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been banking with BofA for more than a year, and never had problems, recently in XX/XX/2022 After selling my car I deposited Cashiers Check for XXXX XXXX through teller in XXXX, and immediately got my account blocked, went to another branch after that on XX/XX/2022 and they told me that my account is going to be closed soon. So the Check that I deposited was on hold and now my account is fully closed. Bankers told me that i'll receive my funds in 7-10 days to the address on file with them when my account will be fully closed. But my school is started and I need money to buy my books and pay my rent and i have payments due. Customer support told me that Check was cleared but account is closed and funds have been transferred to another department which will investigate my funds, called the guy who gave me this Cashiers check and the bank that issued it to me, they said theres nothing wrong or fraudulent with that Check, and Bank of America has my money now. Im trying to fix this problem now, telling them to expedite this process of investigation, but still no result.

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 monetary relief
Consumer complaint received 2023-09-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX XXXX CCS had called my husband mother looking for me as well as contacting XXXX XXXX my husband on his work number. My husband asked that he not be contacted on his work number. They called three additional times. CCS called from XXXX and they called XXXX. This number is owned by XXXX and can only be used to conduct business. On that day my husband received a written reprimand concerning receiving personal calls. 
I called CCS the same evening asking that he not be contacted especially on his work number for something he isnt responsible. I was transferred to XXXX XXXX settlement supervisor asking why he was contacted at work the question was never answered but an apology was given as well as stating that the number would be removed and the account would be annotated concerning my complaint and the calls would be reviewed

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Please remove the following accounts they are violations of 15usc 1681 602a. I have a right to privacy. 15 usc sec 604a section 2. Furnishing transactions without my written consent. 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 2023-07-21
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Account information showing as a Charge Off but I never received a 1099c and the company is still attempting to collect on the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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:
Per the Fair Credit Reporting Act, they had 30 days to verify my disputed items. They received my certified mail DISPUTE on XX/XX/2020, therefore, they had until XX/XX/2020 to respond to me. THEY DID NOT, thereafter, I corresponded with them again via certified mail on XX/XX/2020. They have yet to clear my account and are consequently in violation of a FEDERAL LAW. Their time frame to investigate DID NOT begin when they received my second certified mailing. It began, PER THE LAW, when they received my first communique, as verified to be XX/XX/2020.

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 2019-06-14
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I suffered XXXX and was transported by XXXX to an emergency room by ambulance from XXXXXXXX XXXX TX Fire department. XXXX, my insurance, paid the bill on XX/XX/XXXX and XXXX XXXX XXXX accepted the check. There as a negotiated discount with XXXX and XXXX XXXX with XXXX XXXX determining the allowable amount. See attached settlement letter. 
XXXX XXXX XXXX ( for XXXX XXXX XXXX ) kept billing me for the discount. Each time I called they said they would discuss with XXXX. XX/XX/XXXX, they sent a final bill to me and sent the amount to collections. See attached invoice. 
In XXXX, XXXX I sent the settlement letter to Merchants and Professional Collections Burea, XXXX TX, who is trying to collect for XXXX XXXX XXXX, to prove the debt is paid. I told them to call XXXX if they do not accept the settlement. 
XX/XX/XXXX, Merchants and Professional Collections Burea reported the debt to the 3 credit rating agencies. See attached letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, we built a new home in XXXX XXXX, IL, took out a ARM with Fifth Third Bank in the amount of {>= $1,000,000}. 
In XXXX, as interest rates dropped from 6.25 % to 4.5 %, we tried to refinance with the bank, but despite excellent credit scores and income, were denied because the value of the house had declined to a point where we didn't qualify to refinance. 
Between XXXX and XXXX, XXXX, we tried 7 times to refinance ( including a request for loan modification ) with Fifth Third Bank, and were denied each time due to valuation of the house. 
In XXXX, XXXX, having been unable to refinance with the bank, we decided our only option at our ages ( XXXX ) was to sell the house since we could not afford to keep it in retirement. 
After 7 months on the market, a buyer signed a contract to purchase our house at a price below what we owe 5th 3rd Bank. Since we do not have the funds to pay the difference, we submitted a request to 5th 3rd to approve a short-sale. 
The bank, under the guidelines set forth by CFPB, sent us a retention option plan of action that would start in XXXX, XXXX. However, given our age and desired to retire, we notified the bank that after seven years of being unable to refinance, selling the house was the only option, and that the terms of the retention option were not ones we could afford in retirement. 
Unfortunately, we were told today by the bank that under the rules of the CFPB, the bank can not move forward on the short-sale purchase until it has gone through all of the potential retention options even though we, as the owner, want to bypass those options and proceed with the sale of the house. It said we could not " opt out '' of the retention option offer. 
Since the process involved with the proposed retention option would take 3 to 4 months to go through, we have the major risk of the buyer walking away, and being back at square one with no buyer for our house. 
We are requesting that the CFPB allow 5th 3rd Bank to bypass the retention option it has laid out, and proceed directly to the short-sale offer from the buyer so that we can get the sale of our house done much sooner. 
Please advise whether this is something the CFPB can do for us. If the buyer walks away, our only option in the absence of a second buyer coming forward with a price higher than what we owe, would be to have the house go into foreclosure. 
Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to revalidate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: ROAD Auto Finance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been actively taken a role in educating myself on credit and financial literacy.

Under the FDCPA, debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices when attempting to collect a debt. I assert that your actions have violated these provisions of the FDCPA, which are in place to protect consumers like me from harassment and unfair debt collection practices.

Provide verification of the debt, including all relevant documentation and account statements, as required by the FDCPA. I have reached out to Harvard Collection Services via certified mail, and I was ignored. My rights have been VIOLATED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: TX
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, PLEASE SEE MY DOCUMENTS ATTACHED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Genesis FS Card Services, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received a bill from XXXX, XXXX for {$59.00}, and never applied for this card which I never received anyway. please cancel any membership I may have XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: MI
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:
There 2 XXXX XXXX accounts in charge-off status on my credit reports that are fraudulent and I have no knowledge of at all. The first XXXX XXXX account was opened XX/XX/XXXX, showing a {$300.00} credit limit, with a balance of {$450.00}. The 2nd XXXX XXXX account was opened XX/XX/XXXX, showing a {$500.00} credit limit with a balance of {$710.00}. Also, there is a fraudulent JCPenney account that was opened XX/XX/XXXX, showing a {$500.00} credit limit. These are all fraudulent accounts in my name. Ive disputed with the companies previously.

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 2023-02-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TD BANK US HOLDING COMPANY
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: Information belongs to someone else

Complaint:
On all XXXX credit bureaus there is an account listed from TD BankXXXX XXXX original balance of {$2600.00} with a past due amount of {$390.00}. This is not my account. I called TD Bank an was told this was for a XXXX XXXX. I never purchased a XXXX XXXX nor received one. I was told they would dispute this the merchant. However it is still showing on all XXXX credit reports. I called XXXX XXXX who then called TD Bank they said they were unable to find the account. I am a victim of identy theft from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions Inc.
State: TX
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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