BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NV
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:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
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:
My name is 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.

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 2023-01-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke to the company told them my wallet was stolen.and never opened an account with them .I keep telling them what happened. 
.MIDLAND FUNDING LLC ... Open account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: VA
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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AXXXX 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 2023-11-24
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Ever since our home loan being switched to Mr. Cooper, we have had to call each month to request that they apply our funds correctly. Each month I receive harassing e-mails, text messages, phone calls, and voice messages throughout the work day stating we are late on our monthly mortgage payment. We are actually one month in advance of our payments ever since being moved back in XXXX of 2023. Our first payment was due XX/XX/2023 and to ensure that our payment would be on time started to make payments in XXXX. XX/XX/XXXX and then again at the end of XXXX to make the full payment for XX/XX/XXXX. Ever since making payments early and partially, Mr. Cooper has not been able to apply them to make a full and total payment each month and was being told each time I called to ask them to correct this, each representative, until today, has told me that it will be fine, they will make notes in the account and that there is NOT a penalty or issue with making early/partial payments. Today I was told that I am going to have this issue going forward and have to call EACH month, as the system does not apply it correctly. I tried to Confirm with XXXX XXXX at Mr. Cooper that I appreciate his honesty as this is the first person to state that this issue can not be corrected and will continue to happen and be harassed unless we make a separate account and hold the fund in our own account until we gather enough to make a full payment. Again, I reiterated that we are a month in advance of our home mortgage payments and was told that there is no penalty to making payments early or partial. He said I will continue to have this issue if I do not make a change. I shared that I am the customer and am doing my part to make my payments on time and early and I do not have thousands of dollars or access to their system to ensure my payments are being applied correctly and that is Mr. Cooper 's concern. I also am allowed to pay whatever amount I choose and whenever I choose. This is not something the company Mr. Cooper is to dictate to the customer. I have never had this issue with the previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Convergent Outsourcing is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Convergent Outsourcing has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Moreover, Convergent Outsourcing, has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very concise as to the Civil liability and the remedy available to individuals ( Section 616 & 617 ) if companies fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-12-22
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
I applied for a equity loan from Navy Federal Credit Union of {$20.00} XXXX dollars on XXXX XX/XX/2023 with my home having over {$240.00} XXXX dollars of equity, but I was denied of the {$20.00} XXXX dollar equity loan, I really feel Navy Federal Credit Union use misleading loan tactics to disapprove XXXX  Americans equity loans. Im really disappointed with Navy Federal Credit Union and I have been a real loyal customer for a long time I really feel violated and discriminated against because of the XXXX  of my skin!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TX
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:
The company is urged to promptly remove the unauthorized inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: OH
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:
All of these inquiries were not done by me and I have filed an identity theft report to the ftc. I request all these inquiries be deleted from my credit report immediately by law you have 10 days from this complaint to remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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: Account status incorrect

Complaint:
I have an XXXX account showing that they keep sending other collection companies to collect as well as them. I explained since 2020 that my ex husband fraudulently opened this account under my name and was to be responsible for it and or removed from my credit report. They will not remove and continue to send collection notices in XXXX  names and other companies- the other company was already removed but XXXX  keeps popping up. 

I also have several credit cards that show lates when they were closed and opened with different account numbers due to lost card XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE ACCOUNTS WERE PAID AND OR NEVER LATE. They were closed but forgotten during the pandemic and remained opened with annual fee or interest accruing when I closed. I asked for the recorded messages to prove my case but was never given any Information. 

My XXXX XXXX account was discussed due to the pandemic and a letter was given and corresponded with multiple representatives as I asked for loan to be worked with over time and allowing the payments to be added on the end or reduced until I was well and able to fully work. 

The only creditor that stood by their word was XXXX XXXX. 

Ive been trying to rebuild since my divorce and the pandemic and the creditors are from another country, so not listen to requests or provide proof of recorded discussions or signed paperwork. 

I am also unable to find out why my checking account record is showing negative when accounts were closed and paid with proof when I was going through my XXXX XXXX XXXXXXXX sealed record divorce. I did provide the settlement. Agreement for the accounts he was responsible for but was overlooked and didnt care. 

I am rebuilding and trying to buy a house and start a business and its necessary for my credit report to be accurate and not have a low/ poor score due to companies not reporting correctly. 

Please help review all- Equifax XXXX XXXX XXXX and XXXX. If you view my entire history you will see my history. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Block, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My XXXX smartphone, cash and social security card was stolen from my residence on XX/XX/2023. The person who stole the phone then used my phone to make four unauthorized transactions on Cash Appbfor {$220.00}, {$280.00}, {$100.00} and {$140.00} totaling {$740.00} to their Cash App account. I sent a message to Cash App support via chat because they were closed via phone support because business hours from my son 's device that evening to report the unauthorized transactions. I called first thing XX/XX/2023 and they immediately said my dispute was denied after their investigation but there was no investigation. I have repeatedly reopened this dispute and have provided more than enough documentation to support my claim. I have provided a XXXX XXXX XXXX Police Report as well as report with the Federal Trade Commission. I have pressed charges and the person who is responsible has been charged with Identity Theft-felony. That was my rent money and we are now facing eviction. Cash App has mislead me but I didn't realize that was what they were doing until later. Nobody will help me at Cash App and there is no head department to report to. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX M ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX WI XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-16
Company: EQUIFAX, 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:
In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX Acct # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
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:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! XXXX the XXXX XXXX, Section XXXX. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the XXXX  must provide me with a copy of my consumer report at XXXX % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, XXXX says, Section XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-01-12
Company: GOLDMAN SACHS BANK USA
State: ID
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:
Goldman Sachs Apple Card are still showing my account as open on all 3 credit reports. XXXX XXXX, XXXX, and XXXX. Apple Card are aware that I am in bankruptcy, and yet still have not closed my accounts on these credit bureaus. They also mentioned something about a charge off, which is extremely harmful to my credit score, and thats illegal to create while I am in bankruptcy as well. I have been in bankruptcy since XX/XX/XXXX, my lawyer sent a letter to Goldman Sachs/Apple XXXX back oXXXX XX/XX/XXXX. This is illegal after filing bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
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:
I am officially asking you to review your data on file for me! As per the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards, I challenge all inaccuracies of reporting. My profile shall be accurate, authentic, complete and with timely verification by you of each piece within my credit report so that we can document how well they are being kept up-to date.The information in my credit report and below is not accurate. It was never proven to be factual or compliant with reporting laws by any means, so I'm going through the process of correcting this oversight permanently! The time has come for consumers to take back their right of access. I am demanding that factually accurate, verified and compliant data be documented on my credit report so it can accurately reflect me as a person with good standing in society! I also require the permanent removal of any inaccuracies immediately! I am deeply concerned about accuracy, so please take care when checking your work.The way you present your information about me is important. I demand that all inquiries within my credit profile have a permissible purpose and be accurately sourced, so we can stay on top of any potential issues before they become problematic to my future.

Company response to consumer: Closed with non-monetary relief