BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: KS
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'm sending this complaint to inform the Equifax credit bureau that I was a victim of Identity Theft. It seems the Equifax credit bureau doesn't care at all that I want to dispute unauthorized inquiry that reporting on my credit report. Since this is a strict violation of FCRA laws I need the inquiry removed from my file as soon as possible. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: C/C Financial
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have contacted the company : XXXX  XXXX on several occasions. Three times in XXXX, and once today XX/XX/2019. I explained to them that I was terminated from my job a couple of months ago due to discrimination/wrongful termination, and I asked them to please come by and pick up their furniture, which is a rent to own type of contract. I have also explained to them that I can barely make my rent payment because I am currently unemployed, and I have been now for over two months. I also told them that I do not want to have my credit damaged any further by them reporting my late payments due to my hardship situation. They don't listen, they haven't done a thing about it at all. I have begged them to come and retrieve their property so that any further payments can stop, and all that I would be required to pay is the rental amount up until this date. All that they tell me is that I must first bring my account current before I can have the property recovered. I have told them time and again that I simply don't have the money due to my current situation, and they don't care at all. Meanwhile they keep damaging what was impeccable credit, and they won't do anything to work with me considering my valid hardship situation. I have even asked to speak to a supervisor regarding this, and they refuse to allow me to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In an attempt to link my bank account at PNC with the XXXX app, PNC has made a change that prevents me from willingly allowing them to exchange my data with the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
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 ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX A XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$96.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Fay XXXX  services failed to notify me of a seriously delinquent mortgage from XXXX through XX/XX/2023. I have requested FULL payment history for the last XXXX  months to verify accuracy of information submitted to CRAs. I have an absolute right to this information which they are denying me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Academy Mortgage Corporation
State: MD
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:
In XXXX of 2017, I was applying for a mortgage with Academy Mortgage Corporation for the current home I am living in. At the time my loan officer, XXXX XXXX, instructed me that he would be pulling a credit report and that an inquiry from XXXX XXXX would be showing up. However, after recently reviewing my credit report I noticed that he allowed more companies to hard inquiry my credit report without my permission. The XX/XX/2017 inquiry from XXXX XXXX is the initial inquiry. All the other companies below did NOT have permission or signed documentation to review my credit as I was completely aware that hard inquiries lower my credit score. 

XXXX XXXX XXXX XXXX - XX/XX/2017 and XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX - XX/XX/2017 XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 XXXX  XXXX XXXX  XXXX - XX/XX/2017 XXXX XXXX XXXX   XXXX XXXX - XX/XX/2017 XXXX XXXX XXXX - XX/XX/2017 XXXX  XXXX - XX/XX/2017 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: PREFERRED CREDIT INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently started to check my credit, and noticed some collections on my report. I paid a credit repair company to address the matter .XXXX started sending letters on XX/XX/2017 to Preferred credit has not responded about the # XXXX as well .I would like them to show a wet ink signature that we indeed have a contract, if not remove this from my credit report, because it is reeking havoc on my ability to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 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 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 2020-10-21
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2020 An original indebtedness letter was sent to the company to verify the signature and settle debt, however, the company has replied with a settlement letter and a copy of the bill instead of the original application with my signature. The company is also not licensed in my state to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: ALLY FINANCIAL INC.
State: WA
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
ALLY FINANCIAL, XXXX on XX/XX/2019. 
XXXX XXXX XXXX, Inquired on XX/XX/2019. 
XXXX XXXX XXXX XXXX, Inquired on XX/XX/2019.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
I am disputing the accounts ( XXXX XXXX Account number XXXX Experian ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including small claims court in my area. This is my warning. I demand you to delete these items at once. 

I have included the confirmation number from the certified signature request letter sent out to the collection agency ( XXXX XXXX ) in order to validate the alleged date. Confirmation number : XXXX They have violated the following U.S Codes : 15 U.S Code- 1692d,1692e,1692f,1692g,1692j and1692k

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 2021-09-10
Company: EQUIFAX, INC.
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:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors, please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had fraud on my bank account with Fifth Third bank. I was given provisional credit and it was taken back months later due to an error on the bank behalf. I have submitted all the required paperwork only to hear I have to wait an additional 14 to 28 days before I can receive my funds back. 

This bank Fifth Third, has taken my ENTIRE paycheck for 2 week in a row, but I have to wait 14 to 28 days for a resolution that was not handle properly by Fifth Third Bank. 

As a consumer, this is not fair. The bank has insurance on their funds, unfortunately I don't have insurance on my funds, but I was under the impression this was a reputable bank. There has to be some sort of law to govern these kind of banking centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX {$3600.00} from my XXXX Checking Account. Chime stated that I violated the Deposit Account Agreement max daily limit of {$1000.00} a day or {$30000.00} max limit in a single month. I made a haste decision to transfer it to chime because I was excited to use the credit check and articles and other features it had on the app. The transfer was done on my external account feature on XXXX. I made a call with them for more than a couple of hours since they are open XXXX for customer support. I sent my drivers license, passport, and even my social security card on the secured web link from their email more than 10 times. The only way to receive the final decision of my case is by emailing XXXX or XXXX. On XX/XX/XXXX I was finally denied of a refund back to my XXXX account. It states the same result consecutively from XX/XX/XXXX to XX/XX/XXXX that my bill statement was also never received. I sent it by email and also the secure link more that 5 times. I believe the bank is playing with my money even if I made an honest mistake on transferring the funds over 3 times and a half limit of the daily limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX DATE OF INCIDENT XX/XX/2017 NAME OF THE COMPANY CONSUMER PORTFILIO S

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
my credit report shows me being late in XXXX, XXXX and XXXX of 2018. I lost my job during that time and was informed that because I called and made arrangements then it would not show up on my credit report. When I recently pulled my credit report I notice that it is on my credit report. I do not think this is fair and it adversely is hurting my ability to get and obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-04-03
Company: EdFinancial Services
State: AL
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:
My student loan had been dismissed and discharged months ago and has not been updated on my credit file. I should not be showing any balance or any late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.

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 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX  XXXX {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a real huge problem ok I'm a victim of identity theft an my credit report is horrible from what I see I can't even apply for credit because I have so many unauthorized things that people using my name my social security number to get things that I wasn't aware of now I been trying to settle this situation for a long time ok I don't even have a credit score now because of all these hard inquiries please help me how can I get a claim started from being a victim of identity theft is there anything that you can help me out with immediately I need these inquiries disputed off my credit report ASAP

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 2019-11-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Attempted to purchase tickets online to an event from an individual. After a lot of back and forth, I sent a payment in the amount of {$370.00}. The person " didn't receive it '', but conversations with XXXX and the bank and supports XXXX indicate otherwise. XXXX states that they do not provide protection in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Selene Finance LP
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Why is there a shortage in our monthly mortgage installment payments before the escrow tax was assessed in XX/XX/2019? 
The response includes shortfalls from XXXX, XXXX & XXXX, when we were paying hundreds over the amount owing to cushion the shortfall to be assessed. 
Why does the escrow shortfall amount and the monthly mortgage installment amounts due keep changing every time they are assessed? 
Why has the accurate amount not been reflected to this date when it has been 10 months? 
Why do we have late fees and adverse credit reporting when we have not had an accurate amount for shortfall and monthly mortgage installments? 
Why are our monthly mortgage installment payments not being credited to our account? 
Why do we not receive monthly mortgage statements before balance is due, with amount owed and payments applied?

Company response to consumer: Closed with explanation