BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
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:
Attention Consumer Dispute Department : 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, defamed my character and caused me great stress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

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

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, XXXX we requested to the removal of PMI payments. We were told we had not quite made it to 80 % of the loan at this time. This was told to us by a rep as we had to call to find out their answer and a letter sent by ditech. 

We reevaluated our ratio and on XX/XX/XXXX and called to see what instructions we would need to request this again. The rep told us we met the XX/XX/XXXX ratio in XX/XX/XXXX. We followed the directions and sent another letter asking again to remove the PMI payments. They have no one you can talk to other than submitting in writing. We received a response on XX/XX/XXXX denying the request. 

We sent a response back on XX/XX/XXXX to refute their decision as this loan is a conventional loan originating with XXXX which was bought by ditech. Per the homeowner 's act of XXXX we should be eligible. ditech is telling us we have to meet 70 % or loess of current value of the property. Further stated when I called ditech yesterday ( XX/XX/XXXX ) I asked the rep to tell me where it states in XXXX XXXX that this is a requirement as he stated. He could not and said he would have to defer my issue/concern to someone else who should be calling in 1 - 3 days. 

We have made our payments in the last ten years all on time. Per the HPA we meet the requirements. 

Ditech did offer for us to pay for an appraisal but we are under the 80 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Home Loan Center, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
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:
On XXXX I paid lending tree XXXX dollars a month recurring to resolve my credit score issue non of which were fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: SECURITY FINANCE CORP
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: Account information incorrect

Complaint:
Information on credit report in incorrect. The last active date and last payment on all 3 creditors and reporting differently Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Currently, I use bill pay with pnc banking, however I questioned there accuracy with my account. A couple of months ago, I noticed that my account was charged twice and the bank refunded the account after a few complaints. On XX/XX/2021 I scheduled a bill to paid out on XX/XX/2021, however the bank forward the check earlier than instructed. Next, I noticed that the payment was mailed on XXXX and was paid on XXXX, however the bank is stating the the payment was never paid out on this date. Meanwhile, I have documentation that the money was already set aside and removed from my account with a confirmation number. The bank still denies my statements telling me I am confused. 

On XX/XX/2021 another payment for the bill was posted as pending ( second time ). However when I checked my bill pay activity nothing was pending and the payment was marked as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Block, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Date : XXXX XXXX 2023 Company : Cash app Amount : over XXXX $ Hey Ive reached out to the company cash app several time and talk with them about my account being hacked. They told me first that it will be under investigation for 10 business days which I waited.Then after that they told me they couldnt do anything so dispute the transaction on the app. Then once I did that they denied me sending me a email. It was about 15 different purchases which the hacker spend over XXXX $ from my account. I have Proof, debit card records etc. they also canceled my card after I call them every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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: Public record information inaccurate

Complaint:
On or about XX/XX/2019 TRANSUNION LLC received a letter from me in which I asked for verification of alleged accounts on my credit report. TRANSUNION LLC has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 
2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga 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 2023-03-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2022 I went to the Best Buy in XXXX XXXX, Pennsylvania to purchase a dishwasher for {$950.00} plus {$30.00} in fees. While making the purchase the sales associate asked me for detailed information, which I thought was being requested to pull up my existing account to make the purchase. A few weeks later I received in the mail a new Best Buy credit card dated XX/XX/2022. I called the Citibank Card Services department to notify them that an unauthorized new Best Buy account had been opened in my name. I also requested that they immediately close that account and apply the charge for the dishwasher to my existing account. That was in XXXX. Since then my wife and I have spoken to Citibank Card Services department employees multiple times to request the closure of the fraudulent account and application of the amount due to our existing account. We have continued to receive harassing calls saying that the unauthorized fraudulent account is overdue, when our legal existing account maintained a credit amount monthly that exceeded the amount being stated that was overdue monthly for the newer illegal account. In XXXX one of the Citibank agents committed to following up and closing the newer fraudulent account and fully transferring the balance due on it to our older existing legal account. More recent statements following that conversation indicate rather than the closure of the new fraudulent account, the full amount of the credit we had on the older legal account of {$420.00} was applied to the new fraudulent account, leaving a remaining balance due of {$340.00} and a past due amount of {$30.00}. The older legal account 's statement for the same period did reflect the transfer of the {$420.00} plus a {$75.00} payment received during the period bringing that account to a {$75.00} credit. In the last week of XXXX we have received multiple call from Citibank asking us to bring that illegal fraudulent account up to date, while we have a current credit of {$75.00} on the older legal account. All of our many attempts to clear up this matter have failed to date.

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 2018-08-02
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX Knight Adjustment Bureau My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
This is my numerous 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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:
HARD INQUIRIES NOT AUTHORIZED BY ME 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 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am a Capital One Auto customer. I had expressed to them earlier in the year I was negatively affected by COVID-19, payments were waived due to severe loss of income. In XX/XX/XXXX my vehicle was totaled within 24hrs of a house fire. However, in XX/XX/XXXX, I lost employment. I did not receive any unemployment until XX/XX/XXXX where I caught up on primary bills while raising my XXXX children alone -- - nonetheless, I made a payment to Capital One. XXXX week later it was announced unemployment amounts would be reduced ( lowering the extra monthly unemployment I just became eligible for -- to XXXX ). I did not gain employment until late XX/XX/XXXX as school is out and I needed work from home. But again last month, I was catching up .... I reached out to Capital One Auto this XX/XX/XXXX regarding payment and was advised I had until XX/XX/XXXX to pay XXXX or damage my credit for 7 years [ SIF agreement of {$1100.00} or make payments to a charged off acount ]. I requested an exception due to hardship expressing that Capital One considered the coronavirus impact for an interest baring auto loan but not my non-interest total loss -- which is 5x 's my monthly car note. I was advised the policy was 120 days regardless of the COVID effects and my account would be charged off next week -- - even after I come to them financially better ( not great ) and ready to make payments. We made an agreement for payment relief long before I fell behind. I was up to date on payment when the agreement was made to defer payment. This is still a pandemic and Capital One is expecting me to potentially hurt my household by extended them {$3000.00} instead of payment with the possibility that my family is affected once again. Capital One advises if there is trouble paying the bill " contact them '' but in reality, once you speak with them they have a cut and dry -- who cares whose dying policy. How is there no hardship program in place? Moreover, it was my impression the Cares Act had things in place for overwhelming threats like this since NJ is still in a state of emergency until the end of XX/XX/XXXX. Please assist in how I should approach this dilemma ... also allowing others to see if banking with Capital One fits their needs if the future of COVID changes things again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: TRANSWORLD SYSTEMS INC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed that the XXXX XXXX school was adding on large amounts to a debt I knew nothing about never herd of the place until I seen my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$11000.00}

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 2023-09-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I

m submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3100.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: LA
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-28
Company: AES/PHEAA
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:
The company reported my account ( 90 days past due ). XX/XX/ til present. 
The account was actually in forbearance and should have never been report as ( 90 days past due ).

Company response to consumer: Closed with non-monetary relief