BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
XXXX XXXX- XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: ID
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: Experian Information Solutions Inc.
State: VA
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:
My Experian credit report shows that I have a credit card account with XXXX XXXX XXXX XXXX opened on XX/XX/2017. This account is associated with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, which I've never been to. I filed a dispute, XXXX, with Experian while the result still shows the account belongs to me. 

I'm looking to : - Remove this account and its associated address in MO from my report. 
- Fix any negative impact on my report from this account, as it doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: SUNTRUST BANKS, 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: Investigation took more than 30 days

Complaint:
I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?

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 2018-03-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I was called by a representative from portfolio recovery at XXXX EST onXX/XX/XXXX and my fianc picked up the phone. This person tried to collect a debt after XXXX to a party ( my fianc ) who didnt verify my identity. My fianc asked why were they trying to collect a debt after XXXX and she said she was only doing what she was told. At first she lied and said she was calling California, which my fianc said no youre not, to which the representative said she was calling Florida ( correct ). She acknowledged she was calling Florida and still tried to proceed. Ive never lived anywhere other than on the east coast. On XX/XX/ I called and talked to a supervisor about this incident. I explained the situation and he claims calls are made based on area codes, even though the woman saw clearly, I reside in Florida, acknowledged, and then continued. He stated if my area code was different than my state, they could call like that. Ive never had this trouble before. I requested my debt be sent back to the original holder. He laughed at me and asked if I wanted to set up a payment with them. I informed them I will be taking further action and disconnected the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23
Company: Experian Information Solutions Inc.
State: LA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX****, XXXX XXXX XXXX**** and XXXX XXXX XXXX  XXXX**** The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2023-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Im upset because my credit report will not update on credit monitoring services specifically ( EQUIFAX ) and also XXXX hasnt updated since XXXX, 2022. Ive tried fixing this issues previously with no results. My report is having error updating on XXXX XXXX AND XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.

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 2018-09-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
ON XX/XX/2018 I FOUND A CHARGE AFTER GOING THRU SOME PAPERS ON MY RBS FORMALLY CITIZENS ONE CARD THAT I DID NOT APPROVE I CONTACTED THE COMPANY THAT SAID I HAD TO SEND THEM A COPY OF THE STATEMENT, AND A LETTER EXPLAINING THAT I DID NOT DO THE CHARGE, AND I WOULD GET THE CREDIT IN 1 BILLING CYCLE. AFTER WAITING AND WAITING THEY SENT ME A LETTER SAYING THAT I WOULD NOT BE GETTING THE CREDIT FOR {$870.00}. I AM NOT OK WITH THIS I DID NOT DO THIS CHARGE AND DO NOT THINK I SHOULD BE HELD RESPONSABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AES/PHEAA
State: IL
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:
MyFedLoan is the servicer of my loan. In XXXX  starting around XXXX I started the process to change my repayment plan. Around the 60 day mark the process was still not complete, so I started calling to inquire about any repercussions since I was not making payments. I was advised to not make any payments, and to wait til they processed my repayment plan request and pay the {$5.00} that switched the plan over. I finally received the request in XXXX and paid my {$5.00} via the website which was also my last payment to this plan. Unbeknownst to me this loan was being reported late each month and eventually reported that I was 150 days late to the credit bureaus. When I found this out I called back and the rep said that a simple dispute would remove the incorrect information. I've done that multiple times and this information remains on my credit report. MyFedLoan then asked me to fill out the credit dispute form which I did, and once again it's now almost a month later and no action has been taken. It is coming up on 3 years since MyFedLoan dropped the ball, and now I'm having to spend hours and years correcting the mistake of MyFedLoan. I have spoken to them over 30 times in the past 3 years and all calls were on recorded lines, all reps claim they made notes to my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
MONEYGRAM HAS FAILED AGAIN TO REFUND FRAUD INDUCED MONEY TRANSFERS TO XXXX FOR {$16.00}, XXXX. SEE ATTACHED INFO ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX Bank of America closed my unemployment debit card account and sent back funds that had been payed out tome from nevada unemployment. When I tried contacting bofa they informed me that it was unemployment who issued the freeze on my account. When I was finally able to reach someone at unemployment days later, the gentleman i spoke with informed me that this was not the truth. He stated that it was actually BofA who had issued these mass account freezes on thousands of claimants. Anyone who had ever had their account locked before due to fraud activity suspicions were now having to go through this ridiculous freeze of their account and contact nevada unemployment to verify their identity and wait for their account to be reopened. I have been waiting since XX/XX/XXXX and have filed each week since for unemployment and it is now XXXX XXXX XXXX and I have yet to receive a XXXX. My utilities are being disconnected now, I can not feed my children. I tried calling Bofa multiple times for them to tell me that even after unemployment notifies them that my identity has been verified I will have to wait for an unknown amount of time longer for BofA to update my account. These people couldn't care less about the hardship this is causing my family or what we are suffering because of this mess. I am waiting in a little over {$2000.00} to date from this mess that could be useful in helping my family eat and keep out heat and lights on.

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 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The payment of XX/XX/2020 did not go through when I tried to set-up an auto-bill with Capital One App. I reached out to the company through phone and an online dispute. They said the payment was rejected and I was not notified, which resulted in a late payment and damaging my credit score. 

Having a new credit card and beginning my credit history, this situation is severely damaging my daily finances. I am unable to obtain higher credit lines ( only {$300.00} currently on my card in question ) which aren't nearly enough to meet my monthly expenses. This is also stalling me from being able to continue forward with my living and auto plans as I can't get approved for any financing. The current car is on verge of breaking down, if it does I'll be stranded without a vehicle since I can't get approved for anything affordable. 

The company has refused to help me with this unfair situation, which is why I'm reaching out to CFPB for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter on XX/XX/21 from TransWorld Systems , Inc., claiming they were trying to collect a debt for {$1100.00} for XXXX XXXX XXXX XXXX XXXX. The letter was dated XX/XX/21. 

This is the first time I have ever heard of this debt, and I certainly do not owe XXXX any money. 

I have written a debt validation letter to TransWorld which I will mail on XX/XX/21. 

I plan on filing a police report in XXXX, PA, claiming fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Better Mortgage, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better Mortgage will not allow me to delete my mortgage application online and have not responded to emails. this account contains sensitive information that i would like removed and not able to be accessed if someone were to hack my account. They do provide a way to delete an application ( which doesn't work ),  but the company provides no way to delete an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Franklin Collection Service, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has sent several statements to XXXX  and other credit reporting agencies for a dollar amount of {$330.00}. I never received any documentation from this company and they sent derogatory information to credit agency on the following dates : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 I am being harassed by this company and my credit report is being destroyed. I have never seen an agency go after a debt like this unprofessional organization. 
Who I owe {$330.00}? 
When did they first contacted me about this debt? 
Did they ever send me documentation? No!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Private mortgage insurance (PMI)

Complaint:
During closing we were told verbally PMI could be removed after 3 payments due to equity in the home. XXXX XXXX XXXX XXXX XXXX Made three payment, called and told need to make 24 payments. Made 24 payments. Now told after 24 payment 20 % of the note needs to be paid off ( XXXX ), wait until 20 % is paid off or reevaluated under the Homeowners Protection Act which I asked for. If an AVM is not available, I would have to pay for an appraisal. I have gotten a second appraisal in XXXX to back up the homes value in case the AVM came in low. I was told results would take 30 days. Now a 33 days later after 21 months of waiting the initial 3 months we were told originally i am done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
I AM A VICTIM OF IDENTITY THEFT. I FILED AN FTC COMPLAINT AND WILL ATTACH THE REPORT. I SENT LETTERS TO ALL 3 CREDIT BUREAUS XX/XX/22 AND XX/XX/22 AND MY REQUESTS FOR VALIDATION HAS FALLEN ON DEAF EARS. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY :

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: EQUIFAX, INC.
State: MA
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 AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NJ
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:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted National Credit Adjusters regarding an account that was on my credit report. It was for an account I did not recognize but I wanted to resolve the the impacts of it's reporting as soon as possible. After speaking to an agent I was lead to believe that the only way to resolve this issue was to pay on the account ; I was not told that I can refuse or request account verification ... so I paid the requested amount. 
I later realized that by both federal law and the Texas Financial Code Sec. 392.101 I had the right to the account being validated and for that validation to meet certain criteria. On XX/XX/2020 I sent a certified debt validation letter requesting that NCA provided me with with require verification items mandated by the Texas Financial Code. It has been over 30 days and NCA is unwilling to remove collections in compliance with the Texas Financial Code Sec. 392.101 after failing to validate the account within the 30 day time period required by the state of Texas. The debt validation letter requested that the collection agency provide me with the required information for debt collection in Texas based on the Texas Financial Code. The agency failed to respond to the request as required within 30 days in ordinance with the Texas Financial Code by Sec. 392.101. The Texas Financial Code Sec. 392.101 requires debt collections to provide the following information to validate debt : The name and address of the original creditor * The original date of default or non-payment of the debt with original creditor *The date the debt was transferred from the original creditor to the third party debt collector An authorized agreement that shows obligation for any interest, charges, fees or expense incidental *The original balance *The current balance * Any fees added by your agency.

Company response to consumer: Closed with explanation