BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: SUNRISE CREDIT SERVICES, INC
State: CA
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 victim of identity and Unauthorized charges that has been detected on my credit report without my authorization. Debt collections I am not aware of please. dispute all items that's on the Police report. I had reached to furnishers that is associated with accounts, nothing has taken action.

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 2023-06-19
Company: EQUIFAX, 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 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 : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I signed modification paper work on XX/XX/2022. XXXX XXXX got my paper work back on XX/XX/2022. My modification docs said payments will start on XX/XX/2022 and that's what the account will show. Well i called about the acct in XX/XX/2022. One person said wait to make the payment and then another would call and say make a payment. This has been going on for several months. There has been several phone calls in between then and now from the company and to the company. Most of the time I was calling them at least 1-2 times a month. They started out calling me everyday although I was going thru a modification. I told them I was waiting for them to complete the modification so I can start my payments. They would call and say Im on a modification and I would ask why they keep calling? They would tell me let me check the account oh I see you on a modification is there anything i can help you with? I would say no. This does not make any sense. I would say around XXXX I started calling them because they stopped calling. Just to make sure everything was good. On the calls they would tell me they are waiting for the buy out phase. Once the buy out phase is complete you and then start making your payments. I told them that this is not right that they are taking so long. I also stated that this is how you all make people loose their homes. So I talked to them on XX/XX/XXXX the person informs me that {$6600.00} was needed to complete the modification. I told her I didn't have that money. On XX/XX/2022 they told me I had to pay {$6600.00} or the modification would be declined and I would have to pay all he past due amount. I offered to give them {$1500.00} and pay the rest in 10 days they said no. I called back and offered {$4100.00} and rest by end of month and they said no. I am calling all I know to borrow money for the {$6600.00}. They also told me if the mod is declined I would have to do another one and they may not approve it based on how I handled this one. I told them that's not fair to me because it was not my fault that they have not processed the modification. So i had to beg and borrow to come up with the money because I didn't want to loose my home. So Im in the hole with people that I borrowed from. I need help because this is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I paid nearly XXXX XXXX more at closing than what I was told and estimated.I could not get an exact reason why and the answers also kept changing on why. When I inquired about my costs during the closing process I was told it would go down and that is was not finalized, but this did not happen.

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 2017-12-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
To Whom It May Concern : On XX/XX/XXXX i went to XXXX XXXX store to buy a cloth, the cashier suggested me to open a credit to save 10 % so i did it. i put the first purchase in the amount of {$58.00} in the credit card. on XX/XX/XXXX, i received a called from credit card company telling me that i did n't make the payment, i explained to her that i never received the credit card or statement that is why i did n't make the payment. i told the representative i would like to make the payment and keep my account with XXXX balance, as we agreed i make the payment of {$58.00}. 
On XX/XX/XXXX, i received a statement with the late fee, i spoke to manager XXXX, she said i have to pay for late fee. due to payment of {$58.00} was on second day of cycle period. she refuse to do anything. so i told her i would not pay any of fee and i ask her to close my account. she said she will. however, she never did. i still got hit with late fee after late fee. 
the credit card company refuse to close my account, just keep hitting me with the late fee and interest charge. as consumer i felt very unfair, i never receive the credit card, never use the card, and I already make the full payment, i should n't need to pay for all the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX  }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX  ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have reached out to XXXX, transunion and XXXX  several times to have errors corrected on my credit profile. My sister and I have similar names and the same date of birth. As A result some of her accounts are being added to my profile and vice versa. I have disputed several collection accounts that does not belong to me and all come back " Not deleted '' when these accounts simply aren't mine! I have multiple inquiries on both XXXX and transunion that aren't mine. Reports also that reflect I have outstanding balances for A XXXX XXXX charge off account, XXXX XXXX, and XXXX XXXX which are all my sibling accounts and not mine. I requested A free credit report to go over these details after I filed the dispute and was denied A free copy and informed I would need to pay. I had fraud alerts placed on my reports also due to my mother using my information and I informed all credit reporting agencies of such fraud. My scores are all negatively being reflected as poor when these charge off accounts, Collection accounts and inquiries do not belong to me! There are some inqthat are mine and some accounts that are mine. But none of which are in collections or charged off.

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 2019-01-17
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My first mortgage is with Ocwen Loan Servicing, LLC and my loan number is XXXX. A few months ago, I started paying my mortgage every two weeks to cut out some of the interest on my mortgage. I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX telling me that my account has been transferred. The letter states that the ownership was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They indicate that the ownership has not yet been publicly recorded. I still pay Ocwen with the same information. On the second page, it indicates that partial payments " may hold partial payments in a separate account until the rest of the payment is received, and then apply the full amount to the Account ''. Basically, they are trying to keep me from paying the mortgage every other week or if I do, they are not going to credit the account until payment in full is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A negative account ( XXXX XXXX XXXX ) was added to my report without proper notification, this negative account was allowed to attach to my credit file without following FCRA rules, I have asked via certified letter XXXX different times for documentation showing this is in fact my debt and have been ignored each time and on this ground this account should be removed expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I have been attempting to obtain a debit card from US Bank Reliacard for almost a year to access my unemployment funds. I have sent in the verification information that was requested several times. However, they have still refused to update my address. I was informed that the update has to come directly from Unemployment. My address has been updated with unemployment for a while. However, US Bank has refused to mail me a card that has my unemployment funds. I am concerned that my funds will be sent back to unemployment and I will not received my funds.

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 2017-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One XXXX asked me to provide our physical address earlier this summer, presumably due to law. The Post Office in our area does not deliver mail, so our bill comes to our Post Office Box. 
I called the number on their request letter twice and gave them the physical address twice. In XXXX, I was trying to check into a hotel and was told my account was restricted. I called Capital One again, and was told, for the 3rd time, that I needed to provide my physical address ; I provided it a third time and the restriction was removed. Today, I found out my account had been closed. I called Capital One and guess what ... .they closed the account because " I had not provided them the information they needed '' ... .MY PHYSICAL ADDRESS ... .AGAIN ... FOR THE 4TH TIME!! So now I have to wait anywhere between 7 and 10 days for the account to be reactivated. Time to find another credit provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
debt was paid still showing on credit report as owed on XXXX I was told it would be deleted off

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 records of convictions of crimes which antedates the report by more than seven years.

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 reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX XXXX continues to report my credit bureaus as me being delinquent being down my credit score when my accounts are in forbearance I havent been able to pay them because of the high rates they been charging me I now owe over a XXXX dollars in student loans with just them. I will never own anything because of them.

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 2021-07-15
Company: General Motors Financial Company, Inc.
State: AL
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:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I have had 2 inquiries that I have no clue why were run. I have not applied with capital one or kohls. Please see screenshot for inquiry details run on XX/XX/2023 and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: CA
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:
From XX/XX/XXXX to XX/XX/XXXX I was in the custody of the XXXX XXXX XXXX. I was incarcerated in XXXX California. During this time, unknown persons tried to and have obtained credit using my information. An XXXX XXXX credit card was opened and a XXXX was purchased. I have already spoken to both companies, XXXX XXXX and XXXX regarding this and they are working with me to resolve the matter. When I was released from prison I filed a police report on XX/XX/XXXX after discovering the issue. I then proceeded to contact the 3 credit bureaus and sent in a letter explaining what had happened and to please assist me in removing these items from my credit report. I received a letter from Equifax stating they did an investigation and found the items to be mine, even after I sent them my police report, FTC report, and a copy of my intake and release documents from the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To Whom It May Concern : This is a notice that the following account notations and or items violate customer and consumer laws. If these errors are not corrected immediately you will be subjugated to penalties described in 15 U.S.C. 1681 n Civil liability for noncompliance. 
These are the errors that must be corrected immediately to avoid corresponding penalties : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX  XXXX  XXXX XX/XX/XXXX REMARK 30 DAYS PAST DUE ; Update to PAID XXXX ) XXXX XXXX XXXX XX/XX/XXXX REMARK 30 DAYS XXXX DUE ; Update to PAID My latest TRANSUNION File Number XXXX 15 U.S.C. 6802 Obligations with respect to disclosures of personal information ( a ) Notice of requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

The aforementioned Corporations have not provided a notice that complies with 15 U.S.C 6802 ( a ). This is a violation of consumer and customer law.

Also Congress has mentioned consumers right to privacy on many occasions such as in 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for consumers right to privacy. Emphasis added Do not delete the accounts referenced above, correct it so it reads PAID. Your company has violated consumer protection laws numerous times in relation to these accounts reporting and has shared this incorrect information with countless companies causing me actual harm. Correct your illegal reporting immediately. In occurrence with well establish consumer protection laws. 
If you can not procure and produce a statement signed by me allowing them to share such negative information you must remove these negative items at once. These documents should be in your possession now. You shouldnt have to contact the Corporations listed above. Without delay remove these negative notations from my consumer report with haste as my ability to contract in commerce is presently being negatively affected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06
Company: EQUIFAX, INC.
State: NC
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:
I reached out and asked them to validate and verify that the account is mines but they couldnt give it to me because they dont have that information

Company response to consumer: Closed with explanation