BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: DE
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:
For multiple times in the past year, I have requested Equifax to remove reporting from an old XXXX XXXX XXXX XXXX account. It is well past 7 years of date of first delinquency. With the most recent request I submitted supporting documentation and they still did n't remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Paypal Holdings, Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am disputing the following Unauthorized tracacitions : PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$110.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted PAYPAL XXXX {$55.00} Type, purchase Date XX/XX/2023 Location XXXX, CA, Status, Posted I did not puracase anything from from PAYPAY XXXX nor have I recieved anything form PAYPAL XXXX, I contacted PAYPAL they said they could not help and for me to make a claim with my bank. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I reported a charge of {$430.00} on XX/XX/23 they refunded my money of the {$1600.00} after they found out that I reported them to you. But they still havent refunded the other fraud on my account which is past 10 days. I had a Wells Fargo includ you call me back and oddly enough gives me her contact number. And oddly enough isnt XXXX which is a North Carolina number XXXX sorry why would Wells Fargo call me from North Carolina when Ive been dealing with this in New Jersey?

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 2022-05-23
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I completed a Mortgage Assistance Program Application with PHH Mortgage. PHH Mortgage sent me a letter dated XX/XX/XXXX that my account was approved to enter into a Trial Period Plan under the Flex Modification. To be considered for a modification, the proposed trial period payments must be completed by their due dates. All 3 trial period payments were paid prior to their due dates. 

PHH Mortgage then sent a letter on XX/XX/XXXX stating that I was eligible for a Loan Modification which would permanently change the terms of my mortgage. I followed all the steps in the letter to accept the offer from PHH Mortgage. Unfortunately, PHH Mortgage sent another letter dated on XX/XX/XXXX because the initial letter sent on XX/XX/XXXX had the incorrect information. PHH did " NOT '' indicate that the second letter was replacing the first letter due to an error on their behalf ... thus resulting in it not being sent by the XX/XX/XXXX. Not only did PHH not explain that this was replacing the first acceptance letter but I spoke with numerous PHH Mortgage representatives to verify that all documentation for my Loan Modification Agreement had been received... .and their responses were " YES '' ... .that I did not need to do anything else on my end. Payments made and documentation received. 

PHH Mortgage sent a letter stating that my Loan Modification was denied because they did not receive my signed modification agreement by XX/XX/XXXX. However, I received a letter from PHH Mortgage on XX/XX/XXXX stating.. '' Once we receive the updated agreement, the account will be reviewed for final modification. Enclosed is a copy of the modification agreement that will need to be signed and returned '' I have all documentation to support what has transpired. The misinformation and errors on behalf of PHH Mortgage representatives has led to my Loan Modification being denied. I truly believe their deception sets up the consumer to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

The 3 Credit Bureaus are reporting inaccurate information on CREDIT COLLECTION SERV XXXX Balance {$150.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: OK
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:
In XXXX, I had a legal name change through the Court. I changed my first, middle and last name. I have a new REAL ID State Driver License, Social Security Card, bank account/debit cards, utilities and even my phone account in my new legal name. I have XXXX  American Preference on file with the XXXX XXXX XXXX XXXX, a Certified Degree of XXXX Blood card through my respective XXXX XXXX ( issued through XXXX XXXX XXXX XXXX also ), tribal membership, United States voter registration, Tribal Voter Registration, my State hunting and fishing license all also in my new name - all issued with NO PROBLEMS. I've even had an OSBI criminal history check successfully submitted for housing application with no issues ... ... ..Yet even after all that - the credit bureaus, since XX/XX/XXXX, have refused to update my information. First they told me that if the Social Security Administration has my new name on file and I have the new card with the new name, then I have no problems. Then they told me that is not true. Now I can't do anything - even get through their phone systems, as they all blocked my number and told me I have to write in to do anything from now on. They have refused to update my information repeatedly, and this has gone on for 8 months with no resolution. I have written letters and submitted complaints with absolutely no response. In addition, there is incorrect information on my reports, names that are NOT me and things I never applied for on my credit reports, but because they have blocked me from calling them, I can not do anything to protect myself at all. One credit report said I applied for a credit card in XXXX - and I have not. Same one also said I purchased a vehicle through a loan in XX/XX/XXXX, which is impossible, as I am in bankruptcy! Now I am worried about identity theft on top of it all and no one will help me a single bit.

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 2022-05-23
Company: ALLY FINANCIAL 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:
XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is 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 explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: IL
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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. experian is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my OTHER 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-03-02
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:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) and its implementing regulation, Regulation V. 

Despite my repeated requests, Equifax has failed to provide me with complete and accurate information regarding the reinvestigation of my dispute ( XXXX review attachments for account information ), which has caused significant harm. I have experienced a negative impact on my credit score, difficulty obtaining credit, emotional distress, and frustration. 

Moreover, Equifax has violated FCRA Section 611 ( a ) ( 1 ) ( A ) and Regulation V Section 1022.42 ( a ) ( 1 ) ( iii ) by failing to provide me with a list of all documents and information reviewed during the reinvestigation process, as well as contact information for the data furnisher ( s ) or public records vendor that Equifax contacted during the reinvestigation process, and any additional information Equifax may have regarding my dispute. Equifax has also failed to provide me with evidence of its processes and method of verification, in violation of FCRA Section 611 ( a ) ( 1 ) ( B ) and Regulation V Section 1022.42 ( a ) ( 2 ). 

Furthermore, despite my timely submission of requested documentation, Equifax failed to provide me with the requested information. I have attached a copy of the relevant correspondence and supporting documentation for your review. 

In light of the above, I respectfully request that the CFPB investigate Equifax 's actions and impose appropriate penalties as necessary. Specifically, I request that Equifax provide me with a detailed explanation of the results of the reinvestigation process, including a list of all documents and information reviewed during the process, contact information for the data furnisher ( s ) or public records vendor that Equifax contacted during the reinvestigation process, and any additional information Equifax may have regarding my dispute. Additionally, I request that Equifax immediately remove the inaccurate information from my credit report, and reimburse me for any costs incurred as a result of the inaccuracies. 

In addition, I have also submitted a notarized letter to Equifax, under the penalty of perjury, informing them that all addresses listed on my consumer report that is not attached to this complaint are inaccurate and I have never lived in those locations. I believe that this is a violation of the FCRA and its implementing regulation, Regulation V. I respectfully request that Equifax investigate this matter and remove all inaccurate addresses from my consumer report. 

Thank you for your attention to this matter. I appreciate your prompt response. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
XXXX XXXX states it does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: IL
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:
hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What XXXX XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX submitted for my 2023 Costco Cash Rewards to be redeemed via the offered electronic transfer option to my bank account. The transfer of {$300.00} was to take place within 3-5 business days but as of today, XXXX, has not transpired. Multiple phone calls and conversations with Customer Service Reps and Supervisors have ended with no resolution. In one conversation on XXXX there was to be an inquiry/investigation with a phone call within 7-10 business days which also did not occur. My last conversation with a Customer Service Supervisor basically ended with him saying he has no information or updates.

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 2021-11-15
Company: REGIONS FINANCIAL CORPORATION
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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