BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-12
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these Inquiries reported only in my Equifax credit file. 
XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH Mortgage acquired a mortgage on a second home from GMAC many years ago. The payments for the mortgage have been made on autopay for many years ( unfortunately, the autopay system I used was discontinued and the switch to a new system caused one payment in XXXX to be about 20 days late, but that's not directly relevant to this complaint ). My condo association has historically been very slow on sending PHH proof of flood insurance and that delay caused them to place a flood insurance policy. That caused them to create an escrow account for that amount, which, in turn, caused them to consider my payments too low, so the payments weren't credited to my account when received. This caused them to consider my payments late and much a report of that to the credit reporting agencies.

It took a long time ( slowed down by COVID-19 issues ) to obtain the flood insurance info from the condo association, but this was  fixed around XX/XX/2020 by their insurance department. They said it would take about 10 days to remove the charges for the placed insurance and eliminate the escrow and then Customer Service would properly apply the payments that were made and notify the credit agencies that this was done.

However, despite exchanging numerous emails, none of the above has been done and as recently as today they claim that I  owe several XXXX dollars in payments. However, those payments were received and in their " suspense '' accounts. 

Unfortunately, COVID-19 is making this situation harder since I'm not at my residence and only receive mail sent there with delays of a couple of months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I applied to open a Citibank Priority Checking and a Saving account on XX/XX/2021. I was approved online and I funded them with my other bank accounts. My funding account was deducted {$50000.00} the very next day. On XX/XX/2021, I received two letters Citibank mailed on the XXXX, saying they rejected my accounts application and would close all my accounts in 60 days, plus they will reject all my future applications as well. I called the Citibank New Checking Department and they don't know any detail of what lead to this situation and they won't do anything about it. 
Today is XX/XX/2021, I still haven't received the refund check and instead, I received two monthly statements from Citibank showing my account balance. 
For more than 80 days, I have no access to my fund, nor to my bank account information. All the communication attempts made by me have been declined by the Citibank New Checking Department. It's a nightmare, and I still couldn't see an end to this. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I called the Customer service : XXXX of The Bank of America. The person on the phone introduced herself as XXXX from Alabama. I requested to her the closing of my checking account XXXX XXXX XXXX. 

On XX/XX/XXXX I received an email verifying the closing of the account. But as of today ( 10 days after my call ) I have not received yet the check with the balance of my account at closing ( {$360.00} ) I called them again 3 days ago and asked for an update and they said that the check is in the mail and it 's their company 's policy to take so long ( up to 10 business days ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
3 times Ive sent debt validation letters to IC Systems. Every time they send a response they say that they can not find me in their files bc I have not submitted any information they need to look me up. My name and address are always included and they can not locate me in their system with either or. But they are reporting this allege collections on XXXX   & XXXX.

I then sent a dispute letter to XXXX  & XXXX  and both investigations have came back verified. Ive then sent the credit bureaus another letter asking how the account was verified if IC Systems can not locate me in their system, only to receive another verified investigation result without proof of their verification process.

This account needs to be removed immediately since they can not send me debt validation bc they can not find me in their systems.

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 2022-01-13
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am have a mortgage with PHH and have been given the absolute run around about a modification that should have been completed already. PHH switched agreements without consenting me the first modification that was presented to me was sent to me and I had to notarize it and sent it back ON time. I paid XXXX dollars to have it notarized, only for PHH to change the agreement without informing me, and the only way I found out about a new modification was by me calling them to inquire about the other partial payment modification that I had previously submitted. Now I have been calling and the new modification have still not been updated. And I previously only owed XXXX XXXX now I owe XXXX XXXX dollars on my home. I feel like PHH is ripping me off to gain a profit off of me. I had no choice but to sign this new modification because PHH waited for the time to run out on the previous agreement so that they could tack on all kind of fees to this new agreement. Knowing that I dont want to loose my house. PHH is not concerned about clients but most concerned about stealing the clients property and money. I have lived here over 30 years and yet I owe more then I purchased this house for. Its truly sad how these companies get rich off of schemes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, 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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX  XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I ws looking at my account and a see the minumium payme is like XXXX for a balance that i old of Current Balance {$1100.00}, i try to adress that with the costomer services..but they say is nothing they can do. here is what they say : Thank you for patiently waiting. Please be informed that this account is accumulated by a monthly interest of 2.50 % of current balance. As per XXXX/XXXX/XXXX account was charged of {$49.00} interest and yes you are correct. The minimum payment is {$110.00} good until XXXX/XXXX/XXXX. 


As much as we would like to have your APR adjusted, unfortunately, we do not provide annual percentage rate reductions. The current rate you have is all that we can offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: Experian Information Solutions Inc.
State: MI
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 have a 30 day late payment listed on my credit report with XXXX XXXX on my Experian credit report. I disputed this late fee, as it was for the last month of my lease, and was supposed to have been rolled into my final payoff amount ( which I paid promptly ). My dispute results came back as " updated '' but still show the inaccurate late fee. It now also shows additional inaccurate information. My lease was paid off in XXXX of XXXX, but it now shows regular payments being made ( on time ) on that account until XXXX of XXXX. The {$0.00} balance is accurate, but the late fee was not removed, and is still showing on my credit report ( but was changed from XX/XX/XXXX to XXXX of XXXX. I have not had a late payment on any account in almost 10 years, and am trying to protect my credit score. This inaccurate reporting is very frustrating, and the dispute service is not  satisfactory at all.

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 2018-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX threatened to ruin my credit if i dont pay i asked for proof. Its not mines they said contact the credit bureau. They dont report its the credit bureau fault

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had a debt collection from Ad Astra Recovery ( original creditor XXXX XXXX ) reported on my credit reports 0n XX/XX/2019. I have no recollection of this account and it was a result of identity theft. The amount owed shown is {$1700.00}. This account is not mine and I have talked to all 3 credit bureaus and they request that I fill out an affidavit form stating this was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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 am demanding these accounts to be removed from my credit report. It has made it extremely difficult to get approved due to these delinquent accounts.

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 2019-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I've noticed on my credit report that there's some accounts on my credit profile that aren't mine and I have never given any consent for my credit to be used or I have never co-signed for anyone or anything. Below are the accounts that were opened fraudulently. 


FRAUD ACCOUNTS 1 ) XXXX XXXX XXXX -AMOUNT {$380.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 2 ) XXXX -AMOUNT {$0.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX 3 ) PORTFOLIO RECOVERY -AMOUNT {$240.00} -DATE OPENED XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
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:
XXXX  CONTINUES TO REPORT THE ACCOUNT WITH XXXX= XXXX XXXX as delinquent. This account was paid in full through XXXX XXXX XXXX XXXX XXXX XXXX XXXX reference number XXXX XXXX in amount of {$1000.00} on XX/XX/2020. Please remove reporting. 

Same goes for XXXX  and Equifax. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: R & B Corporation of Virginia
State: FL
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 writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Square Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX XXXX and square business debit card failed to investigate my unauthorized charges before denying my dispute. A hacker accessed my card and pin. And because a pin was used. XXXX XXXX  refuse my dispute. Without properly investigating. Because if they did. It was not me who walked in that store and picked up pizza all the time. I first learned of the fraud on XXXX. Filed disputes. But also. My square business debit card was hacked 2 days after activating my square business debit card. I feel like ive been embezzled from for the last year and a half. People need to know square business debit cards are not secure. Because I opened that card. My business has had XXXX dollars stolen from it. And XXXX XXXX wont investigate these charges properly. Or call me back. I was never there. They have surveillance to track this person. Two big corporations. Allowing the taking from a tiny business. Because I opened a square business debit card for my business I got thousands stolen from me. Small amounts over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing this letter due to the recent credit breach. My personal information was affected by the recent credit breach, your company has been placing obsolete, inaccurate information on my credit file. I am unaware of the inaccurate accounts and inquiries listed on my credit file. The letter is attached in the file below. I have file with the FTC, I have filed a police report against your companies, also filed a lawsuit against your companies for violating my rights, placing information on my credit without my consent, defrauding my credit file placing inaccurate accounts and inquiries on my credit file to compensate money for bad inquiries and accounts. Please be advised that this isnt a threat its the final goodwill letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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:
In accordance with the Fair Credit Reporting Act XXXX  Account name : XXXX XXXX Date : XXXX XXXX. Account name : XXXX Date : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a 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.

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 2023-08-14
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This account had already been disputed with you in the past through the CFPB and the case was closed because they did not submit the requested documentation and now they come with the same thing, I will have to take legal action, See Attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX  XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the XXXX XXXX format if there are any discrepancies with what is reported to the credit agencies Trans Union, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on 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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer right to privacy and confidentiality under XXXX XXXX XXXX 

Upgrade : 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 a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 conviction 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 know or has reasonable cause to believe that 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 2022-11-10
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX has removed an late payment that was in error from my closed account however stated they can not report the updated report to credit bureau

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