BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: KY
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, Account # 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
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:
Account # XXXX I challenged the accuracy, compliance, validation and reportability of this listing. Please validate and provide method of validation to investigate this account with XXXX XXXX XXXX and ask them to provide me with the validation associated with this account. I noticed that every month the company keeps reporting it as a Charge off ( CO ) which is resetting the account activity and re-setting the delinquency date creating different last activity dates on each report. After an account is charged off it is a dead account and no interest or activity should be completed on the account. Each credit report is showing a different last activity date which I attached in the complaint below. Lastly, I also noticed the difference in term duration on the loan for each report which I also attached below. Equifax reports the term duration as 1 month, XXXX reports it as 0 months, and XXXX reports it as 51 months, this is an inaccuracy. In the absence of not providing the method of validation, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681 e ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: PHH Mortgage Services Corporation
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am one of many XXXX customers who had their mortgages transferred to PHH Corporation in XXXX of XXXX. I was under a trial modification with XXXX, had mad all trial monthly payments on time without failure. I was waiting the final documents when PHH took over. I mailed a payment on XX/XX/2019 to PHH, only to have them mail the check back to me. Accompanying document stated that the payment ( a certified bank check ) was insufficient. Yet, all other PHH notices indicate no payment is due until XX/XX/2019? 
I sat on hold today for over an hournever reached my relationship manager, XXXX XXXX ( ext. XXXX ). I tried sending an email, but their auto response states Ill hear back from them in 5-7 days. 
I just want to speak to a human, one preferably located in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving text messages from a strange phone number stating that I owe money to Spectrum/Charter. I have handled these false allegations with XXXX and with XXXX. When I originally signed up for spectrum, I was receiving their services at my apartment complex for over 3 years. XXXX was then automatically shut off. I reached out to XXXX and was told that My apartment complex had turned off all Internet and cable service with XXXX XXXX  because the contract was not renewed. I was a little upset that I was not advised of the changes as payments continued to be paid to XXXX. When the changes were made, I was advised to return their equipment. Since their services with my apartment complex were no longer allowed a technician had to come into our complex to remove all cables and equipment ( professionally ) XXXX  customer service advised that the equipment can be handed to the tech support team or to be dropped off at the nearest XXXX store. All equipment had been returned. I spoke to multiple customer service specialist who advised that I did not owe any money to XXXX  because I had overpaid them, so some payments were mailed back to me. After all issues and changes were resolved. I started to receive calls from XXXX  again. I filed a dispute with my creditors and merchant advising them of the negative impact on my credit. XXXX and XXXX agreed that my allegations were valid and apologized for the inconvenience and deleted the negative charges. However, this issue is now back as I see that XXXX XXXX  has sold my information to a debt collector and the debt collector is obviously doing their job by trying to collect. I am so disappointed with these allegations as I continue to deal with an unethical debt collector. I am requesting to remove this debt from my credit report as this is an unethical sales tactic to collect debt that is no longer owed to XXXX  and it is not mine. Please I ask for assistance to have this collection company to stop harassing me and reporting false information to my credit. I am currently trying to move out of my apartment complex, and I CAN NOT do that when a collection company is reporting false information and lowering my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX  XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # : XXXX - US DEPT ED Account # XXXX - XXXX XXXX Account # : XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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 sending a complaint today to dispute the inquiries referenced below and demanded verifiable proof bearing my signature/ electronic signature. This action was initiated without any proof from any of the companies reporting. These inquiries are not factual since I never authorized them. The FCRA requires Experian to follow up and investigate those inquiries in question and delete them. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrences or remove them immediately for non-compliance. Under the laws of the FCRA, Experian is required by the FCRA to follow up with the creditor. 
The following inquiries need to be removed immediately : XXXX XXXX Date of inquiry XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2022 ; XXXX  XXXX  XXXX  Date of inquiry XX/XX/2022 ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 complained about these account before and I never received any correspondence. please verify the following account or delete them : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
According to the provisions of the Fair Credit Reporting Act 609 e2 A1, 621 A1 623 A1 and 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. In the interim, these items should be noted on my credit record as in dispute. I am also requesting the names, addresses and telephone numbers of individuals you contacted so that I may follow up. If it is determined through your investigation that the disputed items are inaccurate, please correct my file and send me notification that the information has been updated or deleted. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information, please contact me at address noted below if you do not attend to this matter I will sue under the color of the law FCRA section 617 ( A1 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo reported my credit card account as 30 days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account six days past due for XXXX and not 30 days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency. 
Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for Wells Fargo shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account. 

-My Credit report shows the Wells Fargo XXXX payment reported as 30 days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with Wells Fargo, and I look forward to having this issue corrected and continuing to do business with Wells Fargo in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
-- Original Message -- -- -- -- -- From : XXXX XXXX XXXX To : " XXXX '' XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Subject : NEED YOUR HELP/ XXXX XXXX ignored my email TO XXXX XXXXCHIEF OF STAFF If you recall i sent you an email concerning your wire transfer department never sent me an notice that a wire transfer of {$8000.00} dollars was sent from my checking account on XX/XX/XXXX. 
I am XXXX XXXX XXXX, living off my Social Security. I have been in constant contact XXXX XXXX ext XXXX Case # XXXX XXXXXXXX She was very courteous but she not the person that can help retrieve my {$8000.00}. I have been a CHASE CLIENT SINCE XXXX. My checking account # XXXX. 
I am not one who resorts to ATTORNEY 'S. If I institute any legal action for {$8000.00}, bring it to trial I feel that any Jury would award an XXXX XXXX XXXX many PUNITIVE DAMAGES WHICH WOULD BE MORE THAN XXXX 
HOPING YOU CAN HELP SETTLE THIS MATTER. AS MENTIONED I REPORTED THE CASE TO THE FBI CYBER DIVISION. 
XXXX XXXX  XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
We were manipulated by people who turned out to be scammers and we received calls within the hour from people who we thought were our bank since they represented themselves as Chase employees so we unknowingly authorized the transfer. We reported it to the bank and they informed us theyve been aware of problems like that in the past so they told us to file a police report. Not only was our bank aware but the police were also aware of problems like that in the area of people getting scammed. The bank then decided it was our fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Loan Depot regarding refinancing two rental properties I have in Utah. I was able to lock in the rate and receive a loan estimate on XX/XX/ and was told the process would take 45-60 days. Checking with Loan Depot 's website it states " Most refinance transactions could take up to 45 to 60 days based on the complexity of the loan. '' The Lending Officer was XXXX XXXX at the time, he is no longer with the company. I quickly submitted all paperwork expecting the loan to close by late XXXX-early XXXX. 

Several months passed and I did not receive any new information about the loan. I submitted numerous emails with no answer. Eventually, I received a message from the Senior account manager, XXXX XXXX, asking for more paperwork as the old paperwork I provided all needed to be updated. 

In late XXXX I received a phone call from XXXX asking about information for the loan. She seemed very uniformed and it was pretty clear that she had not read or looked at any of my paperwork or emails or listened to any phone messages. I provided her with all the information she inquired about. 

By mid-XXXX  I was very worried about the status of my refinance and tried calling and emailing XXXX, her manager, their manager, coporate, the new Lending officer, his manager with no answers. Corporate did not even have any record of my refi accounts and could not help me. 

On XXXX I received a notice from my personal home property that a payoff was requested. After speaking with my bank for a while I was able to determine that this was Loan Depot requesting a payoff on the wrong property, my personal home vice the rental being refinanced. I received an email ( attached ) from XXXX acknowledging the mistake but no following communication about them covering the fees. On XXXX I received another notice that another payoff request on my personal home property was ordered by Loan Depot. They have been using my social and the automated IVR system to request the payoff amount without my permission I have included an email I had sent regarding this but have not heard any word back. 

XXXX XXXX has taken over as the Lending officer in late XXXX after XXXX XXXX departure. After resubmitting many paperwork with her I was told that she would submit my loan paperwork by early XXXX. I have called with no reply back from her when asking about the status of the loan. Recently XXXX XXXX has taken over the loan. 

I have not received any word on why my refinance process has been taking so long. I have excellent credit and have been getting them all required paperwork as soon as possible. I do not know if there is a discriminatory process that has caused my refinance process to take so much longer than the average process. I have called other Loan Depot branches to confirm that the 45 is typical and on more complex cases it can be 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: TD BANK US HOLDING COMPANY
State: WI
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:
On XX/XX/2021 I contacted Nordstrom Card Services to place my XX/XX/2021 payment in deferred status due to COVID-19. They agreed, and my next payment was subsequently due in XXXX. Unfortunately my account is showing as 30 days late. I have never had a missed payment with Nordstrom, and was under the impression that COVID-19 related deferred payments should be marked as such and not late.

Nordstrom is refusing to alter the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I appreciate your prompt response to my Consumer Financial Protection Bureau inquiry # XXXX concerning accounts # XXXX, XXXX, and XXXX. 

Please be advised, as per the new law passed by the Consumer Financial Protection Bureau ( CFPB ), medical debt is no longer reportable on consumer credit reports. As such, the accounts in question connected with medical debts should not have been reported on my credit report to start with. 

I am currently gathering more clarification and evidence regarding your agency 's violations of this law and will be taking necessary legal action accordingly. I will be seeking damages for the undue strain and impact this has potentially caused on my financial and personal well-being. 

Furthermore, the request for additional identification documents seems redundant given that I have already submitted an affidavit asserting that I am a victim of identity theft. Please treat this with the seriousness it deserves. 

I am hopeful that this issue will be resolved amicably and without any further legal proceedings. I am available for further dialogue and am contactable on the phone number saved under my account. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: ENOVA INTERNATIONAL, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NetCredit XXXX On XX/XX/2023 I called net credit to discuss the incorrect information on my report. They stated that I would have to contact XXXX XXXX, So I did. 

On XX/XX/2023 I finally got through to XXXX XXXX. I was informed that I did not owe anything. I had a XXXX balance, and that my request for deletion was already done. It is showing that its still in collections and that it was a charge off and derogatory. It was supposed to state paid as agreed even before I ask for the deletion. It does not show on my credit report that it was done not with the reporting agencies. It is actually still reporting on XXXX and XXXX. 

I was also informed by XXXX XXXX that I would have to contact netcredit in order for them to complete the process. I am enclosing a screenshot of what is being reported incorrectly on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Affirm Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with explanation