BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
USAA knowingly pulled my credit without my consent or permission while under credit freeze since XX/XX/XXXX. They were well aware that my entire identity has been stolen and used since XXXX as I documented with them by my former husband, XXXX XXXX XXXX and others ; I had to get another phone and found the letter dated XX/XX/XXXX. 

Thats a significant time issue for them as Im still trying to get MY life back. Now, they refuse to take accountability for their actions which are against the law. 

This is already at the US DOJ level and since they are aware of this, are not cooperating accordingly with federal laws and regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, INC.
State: NY
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Here 's the documentation you requested. As I stated this was a home equity loan -- not thru XXXX but rather it was transferred to XXXX XXXX XXXX from XXXX They put me in collections with Realtime without contacting me or sending any correspondence of any kind letting me know that the Loan Servicing was being transferred. I made settlement payment to criminals at Realtime -- who promised that they would delete ALL Late Payments from my credit report in exchange for our agreed-upon Settlement Terms. 
XXXX Last Active XXXX XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : THIS IS AN ACCOUNT IN GOOD STANDING XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : ACCOUNT/PAID SATISFACTORILY XXXX : ACCOUNT CLOSED BY CONSUMER XXXX : PAID ACCOUNT. XXXX BALANCE Opened XXXX Reported XXXX High Balance XXXX Reviewed 68 mo XXXX Past Due Payment Paid Balance Status REALTIME XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX : SETTLED ACCOUNT XXXX : PAID ACCOUNT. XXXX BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : HOME EQUITY LOAN Opened XXXX Reported XXXX High Balance XXXX Reviewed XXXX mo XXXX Past Due Payment Paid Balance Status REAL TIME RESOLUTIONS XXXX Last Active XXXX XXXX High Limit XXXX Mortgage PAID XXXX XXXX XXXX XXXX XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT DELINQUENT 180 DAYS PAST DUE DATE XXXX : ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX : ACCOUNT TRANSFERRED TO ANOTHER LENDER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-03
Company: Experian Information Solutions 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:
There are a few items reporting on my credit report that does not belong to me. Please remove the following items from my credit file. I have since contacted an attorney because XXXX  and Experian has failed to respond to my dispute and it has been more that 90 days since I disputed the following items. 

XXXX XXXX  - Bal : {$0.00} ( XXXX  Only ) XXXX XXXX - {$1100.00} ( Experian & 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 2023-06-07
Company: Experian Information Solutions 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:
All 3 credit bureaus are reporting COLLECTIONS from the following unknown companies ; XXXX, and XXXX. All 3 bureaus are reporting these accounts without verification from these outsourced businesses plus they show inconsistent information to each other enforcing my belief that these accounts are not mine nor have I ever created an account with any of them, so these accounts are fraudulent. Many attempts were made for validation. No response was sent to me.

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 2022-01-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
Do n't have any dates or amaounts. Learned about this weeks ago on the news of the credit bureau hack! I was a victim but not sure if any of my personal info was taken. Keep tracking my credit report and if there are any changes like withdrawals. what I did is freezed my credit account and statements as Equifax insisted but this happened months ago and the public did n't know to recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a synchrony credit card which was used to buy furniture XX/XX/2022 I was quoted a price by my sales woman and told I had 2 years to pay it off she never at one point mentioned I was in any type of promotion then whats one year came around and I was half way done paying the card off my amount basically reverted back to the originally balance of XXXX once I called to see why it was stated that my one year promotion which I did not know I was in has ended I then proceeded to make a dispute with XXXX but the only outcome i had with that was them locking my online account so I could not pay my bill this was last month I just tried to log in again and it was successful so I can pay the bill for next month but I still may have a late or missed payment on my credit as of now

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 2016-09-30
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They keep calling me and asking for somebody else who is y father I keep telling them they have the wrong number and still call me and leave me voicemails then they call other numbers looking for h dad and telling them they are going to take legal action they also call other family members which is not right this XXXX XXXX is calling and will call my uncles house!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management, my mortgage company not by choice but because they purchased my mortgage from my former mortgage company, has been in possession of {$28000.00} issued by my insurance company, XXXX XXXX, to cover a portion of the cost to replace the damaged roof on my home. The checks were issued to me, my wife and Rushmore. My wife and I were instructed to endorse the checks and forward them to Rushmore 's Loss Draft Department in XXXX XXXX, Texas, which I did, the first check was sent on XX/XX/XXXX in the amount of {$27000.00} and the second check in the amount of {$1200.00} on XX/XX/XXXX. For the past five weeks me, my wife and the business manager of the roofing contractor that did the work on our home have been trying to Rushmore to release the funds. The roofing project was completed in XX/XX/XXXX. XXXX XXXX issued payment based on project completion, my wife and I have signed an affidavit of completion, the roofing company has signed an affidavit of completion, the local building inspector has issued a certificate of completion and our XX/XX/XXXX has issued a letter of completion and yet XXXX can not complete the process or is unable or unwilling to process our request and return our funds so we can make the final payment to the roofing company. The roofing company has been waiting for payment for more than 90 days and are in the process of putting a lien on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: CA
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 recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

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

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

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. No investigation was completed within 30dsys of the letters I sent. 
( My letters that was sent to the credit bureaus are attached )

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 2020-02-12
Company: Receivables Performance Management, LLC
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: Account status incorrect

Complaint:
The account is still showing In collections with the Credit Bureaus and both are telling me that the account has to stay for years from the date it was paid off I thought when the account is payed off everything is bought up current or Payed as agreed and none of this is reporting only my XXXX is updated to current Closed, and I would like for XXXX, and XXXX to report the same. It's hindering me from getting credit for other company 's and keeping my score down. Please if you can help me resolve this thank you.

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 2023-11-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On or around the last week of XX/XX/2023, my wallet and cell phone were stolen. I promptly reported my stolen debit card to Wells Fargo. I learned from the customer service representative there were multiple unauthorized ATM withdraws. The total amount of the unauthorized transactions was {$2300.00} plus out-of-network ATM fee ( s ). Wells Fargos investigation took longer than ten ( 10 ) business days and I never received provisional credit. I had to call Wells Fargo after 10 business days to learn my claim was denied because of two-factor authentication from my phone. I told the agent my phone was stolen and the agent said theyll conduct a second investigation and review the phone issue. Wells Fargo failed to conduct a reasonable investigation within 10 business days. Wells Fargo should have either completed a reasonable investigation within 10 days or provide provisional credit. Wells Fargo failed to do both. If the perpetrator ( s ) used an ATM, then the camera would show the suspect ( s ). I never had any authorized users. I dont have a joint account. I never gave anyone permission to use my debit card. I am desirous of prosecution. Wells Fargo is in violation of, among other things, Regulation E and the Electronic Fund Transfer Act. According to my attorney, I am not responsible for unauthorized transactions. Moreover, I have no history of using out-of-network ATMs and the unauthorized transactions occurred outside of my geographical location. Its clearly unusual activity. Being the victim of a crime and losing my money has been detrimental as I have medical bills due that I am unable to pay, and as a result, Im unable to get the medical care I need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 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 2023-11-30
Company: HUNTINGTON NATIONAL BANK, THE
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have concerns regarding the notification I received about the debt and the lack of information provided to verify its validity. When I contacted Huntington Mortgage seeking clarification on the validity of the debt, I did not receive any information or documentation supporting the existence of this debt. I believe that as a responsible customer, I am entitled to receive sufficient information to verify any debt reported in my name. Upon reviewing my credit report, I noted that the mentioned account is inaccurately portrayed as a late payment account with a balance due. This misinformation adversely affects my credit score and raises questions about the accuracy of the reported information. Please find the details of the account in question below : HUNTINGTON MORTGAGE CO XXXX Date Opened : XX/XX/XXXX  Balance : {$170000.00}. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 9th 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

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 2018-07-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an email stating an account was added to my credit report from XXXX XXXX XXXX XXXX, original creditor XXXX XXXX XXXX for the amount of {$880.00}. It was opened XX/XX/2018 and states it's a joint account. I called them and asked for the information pertaining the account and was told it was fraud for a rental property in the state of Texas. They advised me to get a police report. When I looked at the account again on XXXX XXXX the remarks stated " account information disputed by consumer, meets FCRA requirements '' meaning they verified it belongs to me. Which it does not.

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