BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXt. # XXXX, 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 an account without my written instructions. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Original Creditor Name XXXXXXXX XXXX XXXX XXXX {$790.00} bal. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, 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 an account without my written instructions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$490.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number XXXX, 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 an account without my written instructions. 
XXXX XXXX XXXX  acct. # XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX. {$490.00} In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 
XXXX XXXX XXXX acct. # XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have made a number of attempts to contact and resolve my issues with Equifax and they keep telling me the same thing over and over and nothing is actually being done. I have a total of 10+ hard inquiries that are wrong! They promised to remove and still more added, There are Laws in place for this and they have not followed one. I am also finding out that my Equifax account is one of many in the Equifax Breach Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Stanislaus Credit Control Service, 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:
My HIPPA laws have been violated my information has been released to a third party. They are in violation of the Fair Credit Reporting Act twice over. First by the original alleged creditor giving my information to a third part debt collector and secondly by submitting the Medical debt to the credit bureau. I would like to see a validation of Debt and HIPAA authorization because I didn't authorize my information to be shared nor did I receive any information by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have notified Experian that they are reporting  XXXX  wrong addresses on my credit file. I have never lived at  XXXX   XXXX  or  XXXX   XXXX  . Please remove these addresses from my credit file.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX. Transunion failure to remove a XXXX XXXX XXXX, an identity theft account after providing the proper documents. ( XXXX XXXX XXXX  ) And, XXXX. Transunion still has not removed inquiries ( XXXX ) from my credit file that was provided to them in an identity theft report and police report ( XXXX inquiry ) This is fraud. 

If you read the documents attached, it is indisputable that my complaint is accurate. 

Please remove the fraudulent collections account and the XXXX inquiry and the attached documentation supports this complaint.

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 2016-07-13
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I moved out of XXXX XXXX XXXX because of MOLD and infestation of roaches. I did not break my lease and I left the MOLD in the bathroom and refused to clean up anything. I have evidence with pictures. I contacted them and they refuse to tell me what the {$1100.00} charges are for. They added the same amount to my credit I called them since XXXX and they refuse to work with me and keep adding the account to lower my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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 2017-10-14
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX XXXX, I sent in XXXX and XXXX XXXX payments. They were returned because I was informed after the fact that Selene Finance wanted 3 payments submitted. In XXXX i submitted 3 payments for XXXX, XXXX, and XXXXXX/XX/XXXX7.. I was just informed that they sent back all 3 payments because they want XXXX  payments. In addition, they are trying to put me in foreclosure status if all 5 payments plus attorney fees are not submitted by XXXX/XXXX/XXXX. How can they return 3 payments which would have left me owing for XXXX and try to add fees of {$2400.00} ( attorney ). That is not fair. This company is rogue, rude, and they lie. I have call this office 8 times in the past 2 weeks ; there was no reason to send back 3 payments then push me into foreclosure. I will resubmit payment for XXXX in addition payment for XXXX will be submitted by XXXX/XXXX/XXXX. I am not going to allow Selene Finance to bulling me, create fear and punish me by adding unnecessary fees ( attorney ) for my loan to be re-instated. This company is disgraceful. I read over 300 complaints filed against this company since XXXX. I will resubmit all 5 payments due but i am not paying for fees because they are trying to foreclose. 

My loan number is XXXX my contact number is XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
for reference id : XXXX i think i have paid XXXX before i closed the water account in water department of XXXX so i don't know why city of XXXX charge me same amount again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Incomm Holdings Inc.
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XX/XX/XXXX and XXXX, I found out that I have 2 cards that can't be used and can't check the balance. I called the customer and asked what was wrong with my card. They told me that they locked my card and will Replace a new card for me, I called them on XX/XX/XXXX, and told me that I will receive new cards on XX/XX/XXXX and XXXX, respectively, a {$500.00} card ending in XXXX, and {$300.00} card that ends in XXXX, but I didn't receive it until today, I found out that they sent the card to a wrong address, XXXX XXXX XXXX XXXX XXXX, there is a small error in this address, the correct one is XXXX XXXX XXXX XXXX XXXX, I asked to resend me to the correct address, or change the two replacement cards to the correct address, but they refused me, gave me the case number and kept me waiting, I have been waiting for half a month Didn't receive my card, and asked me to continue to wait, and asked me to upload my privacy documents, the gift card is originally an anonymous shopping card, even though I uploaded my purchase receipt, I didn't get a reply from them as soon as possible, I'm so helpless, I don't want to lose XXXX dollars, this is my family 's money to buy food, I've waited too long, please help case number is XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am filing a complaint against Ally Bank for refusing to reimburse penalties and damages caused by their actions. They froze all my bank accounts on XX/XX/XXXX without warning due to a security error, and the assigned investigator failed to resolve the issue promptly, resulting in a week-long ordeal. This led to rejected withdrawals by institutions like the IRS and my internet provider, resulting in penalties for late payments and rejected transactions. These incidents have permanently damaged my account statuses, affecting my creditworthiness. 

Although Ally Bank reimbursed the IRS penalties, they unjustly refuse to reimburse the penalties from my internet company. During a lengthy phone call, their representatives repeatedly dismissed my concerns and cited a refund issued within the last 12 months as a reason for being unable to provide further reimbursement. This selective approach is unacceptable. Ally Bank can not freeze my funds, incur several penalties, and selectively address damages from only one institution while disregarding others. 

I urge the CFPB to hold Ally Bank accountable for their negligence. I am seeking fair compensation for financial losses, penalties, and the lasting negative impact on my account status caused by Ally Bank 's actions.

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 2022-06-15
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my husband was in the hospital with XXXX XXXX and I reached out to our mortgage company to get advice. I declined refinance and forbearance at that time due to thinking my husband would get better and come home. In XX/XX/XXXX I called back to our mortgage company Mr. Cooper and spoke with the same representative and had our mortgage put in a forbearance as my husband was then XXXX XXXX XXXX I was told the exact same thing as in XX/XX/XXXX that at the end of the forbearance I could either pay the back payments or get our payments deferred and put onto the back of the loan with zero interest or penalties. In XX/XX/XXXX before the Forbearance was coming to a end I called to speak with them and have the deferment of payments put on the back of the loan due to the fact that my husband ended up passing away XXXX XXXXXXXX. At that time I was told I was not able to have a deferment and that I needed to apply for a loan modification which would help me lower my interest rate and monthly payment making it easier for me. They sent me it's me the paperwork immediately and I filled it out and mailed it back with all proofs and verifications that they needed. They continued to string me along and ask for documents over and over that I had already mailed in multiple times and this went on from the beginning of XX/XX/XXXX until the XXXX week in XXXX of XXXX. On Saturday XX/XX/XXXX I received a text message from Mr Cooper which prompted me to check the Mr Cooper app which said my application for my loan modification was denied and I needed to come up with over {$27000.00} in back payments. I called immediately Monday morning in distress and the lady I spoke with said that wasn't accurate and it was approved and I will be receiving a packet in the mail and it'll benefit me and help me with lower interest and payment. I went out and got the mail and the packet was in there however it was the complete opposite. They want to raise my interest rate and monthly payment. I called again and spoke to another lady as I have not 1 time been able to speak with or get ahold of my loan specialist through this entire process. This lady said what I was told initially sounded correct I should have been offered a deferment of payments and didn't understand what was happening. She then put me on hold and spoke with superiors and colleagues and said she was wrong however was going to put in a email to the loan modification department to re-look at this and she would call me back by Wednesday XX/XX/XXXX or Thursday XX/XX/XXXX. I have received as of now no call except a message from a different random lady about calling to settle this. I call back and can not get the lady on the phone I spoke with on Monday XX/XX/XXXX about this mess. I was advised to call HUD which I have and also was advised to file this with you. Anymore questions please let me know

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2017-05-25
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: Information belongs to someone else

Complaint:
I have notified  XXXX  on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.

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 2022-12-27
Company: EQUIFAX, INC.
State: NJ
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:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. 

I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. 

This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. 

ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act the following accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, 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 stated a consumer reporting agency can not furnish a account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Home Depot credit card/CITIBANK They reported me late on my credit report ( all three ) XX/XX/XXXX I called them and disputed it and with the bureaus. I have spoke with several different agents at Citibank since XX/XX/XXXX.I always get different stories. one person said I was late 9 days, another said I was late XX/XX/XXXX days, and they said XX/XX/XXXX. It was reporting XX/XX/XXXX on all three bureaus until recently. Now all the sudden they removed XX/XX/XXXX on the XXXX  report and put XX/XX/XXXX! I talked to another lady forgot name I can look for it said she would do a nine day investigation and I had to call her back as she did not return the call to me with info by the date she stated. Furthermore here is the truth 1 ) I was moving and lost My monthly statement. I called in and got a offshore agent .I took my time as there is a language barrier and said what is my payment lost statement. She gave me my amount I paid it and went on with my day. I filled out an application for a rental as I sold my house and needed to rent. the fico score was low. S o I checked the report and saw Citibank reported me 30 days late. I then started my dispute. I paid what I was asked. They are always changing their story. Please investigate they are putting false info on my report and now changing the months .I almost feel like they are harassing me or some sort of retaliation. 
They have cost me money as I had to pay hefty deposit to get in the rental because of there inaccuracy.

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