BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: OH
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:
Today I called and spoke with Supervisors at Equifax regarding unauthorized inquiries on my credit report. I have contacted the Creditors hundreds of times and have even been advised they dont have anything with my name on it. There are multiple inquiries on my credit report that I do not recognize. I was told to file a complaint with the FTC ( you can ONLY file a complaint online with the FTC and they provide you with a report number ) and also send in a copy of my ID and social security card VIA FAX which I am attaching. Please remove the following inquiries from my report. 
See below XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
State: SC
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 been a victim of identity theft. I took the proper steps and filed with the FTC, a police report, and sent a letter to the reporting agencies detailing the items which were not mine and requested a block with the following items enclosed : police report, FTC report, copy of drivers license, credit report with items highlighted. 

The agency reported they denied my block but did not specify which of the three reasons applied to their denial. The items were initially removed but the credit reporting agency is reinserting as " their investigation '' which was well over 30 days are beginning to be reinserted. The reporting agency is violating the law by saying the creditor says i owe the amount, although as an identity theft victim they can not rely on creditor reporting to determine i am liable for a debt. I will refile on XX/XX/XXXX with full police report now that it's available. 

Dates : Noticed identity theft around XX/XX/18 by a collection letter.

Filed identity theft with FTC on XX/XX/18.

Placed fraud alert on XX/XX/18.

Filed police report on XX/XX/18.

Filed certified with credit bureaus on XX/XX/18 with return receipts.

Filed updated FTC report with credit bureaus on XX/XX/18 with new information on credit report.

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 2018-11-25
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve debit with Sterling Jewelers by requesting information to prove debit. 
1st issue, I requested Singed contract. No less than 4 times, none returned. 


XX/XX/2018 letter sent stated acct Sold. 
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: AMERICAN EXPRESS COMPANY
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a charge with XXXX via American Express. American Express denied my claim without reading the rationale for why I disputed the charge. American Express stated that It was my responsibility to cancel the booking, however as it was discussed in my documentation, I did try to cancel, however XXXX would have charged me in full for the cancellation. 
Furthermore the host tried to have me agree to terms and conditions that were not disclosed prior to booking, that I did not agree to. This is a violation of the Fair Credit Billing Act. If the agreement is not agreed to I can not be charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-25
Company: Experian Information Solutions Inc.
State: IL
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:
Credit bureau is in direct violation of the GRAMM-LEACH BLILEY ACT also XXXX XXXX compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-16
Company: EQUIFAX, INC.
State: NV
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:
These aren't my accounts. I am trying to refinance my home for a favorable rate and it's destroying my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED 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 explanation
Consumer complaint received 2023-02-16
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received multiple notices from CCS regarding a {$280.00} charge for XXXX XXXX. I do not owe any money to XXXX, I have checked all statements and spoken to representatives. This debt is not mine. Recently, the debt collection has shown on my XXXX XXXX credit report resulting in a derogatory mark and a loss of 26 points.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: CCS Financial Services, Inc.
State: NH
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 from CCS saying that I owe $ XXXX.They say I owe this to XXXX and I do not. They have also been calling my cell phone and I NEVER have given them permission to call me or call me on my cell phone. I faxed a debt validation request letter to them on XX/XX/18 to XXXX. This is the CCS President XXXX XXXX fax number. I have a confirmation saying this was faxed and received on XX/XX/18. I also requested in writing that they cease all phone calls including my cell phone number that they have never been authorized/given permission to use. This was included in the fax they received on XX/XX/18. They have called me on my cell phone at work repeatedly and during meetings and other times while I have been at work. They have not stopped from calling me, and they listed the alleged debt on my credit reports negatively affecting my credit. They failed to comply with the FDPA and have not ceased calling me, they also have not responded to my debt validation letter requesting validation of this alleged debt and they added the alleged debt to my credit report. They haven't responded at all to my letter and not by the required 30 days. They are to immediately delete this from all credit bureaus and to cease all collection activity for this alleged debt that they have not validated.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: ME
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 tried a number of times to submit all the information I have that this was fraud and contacted each company like they have suggested and the companies will not do anything. So I am asking again please remove the fraudulent activity on my account. 

Or I will continue to file complaints against your company until it is resolved wither its the 2 year limit or you get tired of dealing with these complaints. Your Choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX the manager at citizens bank keeps lying and not answering questions regarding promotion of {$400.00} for opening account I was told XX/XX/XXXX was when the deposit will happen and she said different date which is a lie. Cause websites says XX/XX/XXXX and she will not show me the info she is providing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Can not get the money in wise that was sent to my account. Already reach out for couple of times but still haven't got a resolution. Need the fund for my needs.. I am a verified account in wise. If they will not allow me to withdraw the money, much better to send it back to the sender XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10
Company: Experian Information Solutions Inc.
State: MD
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:
Account has been paid off since XXXX of this year but its still reporting on my credit and 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 2023-02-16
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/23 I contacted Credence Resource Management , LLC in response to a letter received in the mail, letting them know that I dispute the debt and requesting them to provide documentation proving that the debt was mine prior to taking any further collection actions. 

On XX/XX/23 I received a response from Credence Resource Management , LLC confirming that they received the dispute. 

On XX/XX/23 I was informed via credit monitoring that the account had been reported as delinquent despite Credence Resource Management , LLC failing to provide any of the required proof or documentation of my ownership of the debt, and failing to inform the appropriate credit agencies of the disputed status of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to modify my home loan for 1 year and I have been unsuccessful. I need assistance with the options I have to assist me so that I won't lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
XXXX is reporting inaccurate payment history, across XXXX, XXXX  and TransUnion, please Delete per the Fair Credit Act. 611 There are 6 XXXX account with the same account number : XXXX Please see attachment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I was making a Bank of America credit card payment on XX/XX/2019 when the process became longer than usual. Because I paid from another banks checking account in the past, I usually asked if I want to use the same bank for payment to make it a shorter and quicker process. Instaead on this date of XX/XX/2019 around sometime in the after noon California the I was prompted to give all the outside bank '' s Iinformation - Routing and account information, which the bank would remember from past and not ask for in detail. I called later to ask a representative and she said it was a system wide glitch. She seemed nice, but did not say it would be present to the public as a notification to be aware of as happening are shared with CFPB. So I am reporting it and hopefully actions and methods will go back to a use the reflects retention of secure information and hint identification for smoother and secure transactions and future use.

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 2023-02-16
Company: EQUIFAX, INC.
State: TN
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 tried repeatedly to dispute accounts that was open fraudulent. They want take it off. These accounts are hurting my credit and making my life hard. They continue to keep the accounts on file. The companies or credit bureau ot doing anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC1681 US Bankruptcy court ID # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my right. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C. 1581 Section 604 A Section 2 : It also states a consumer reporting agency can not reporting can not furnish a account. without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my payments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
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:
I recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a child. Prior to my initial missed payments I had a good payment history and even after those missed payments I kept up with payments. The payment that was missed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and the account is already considered paid and closed. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXX/XXXX/XXXX Called XXXX XXXX @ XXXX spoke with XXXX in the credit collections department. Confirmed payment in full of $ XXXX confirmation # XXXX. Advised that all 3 credit bureaus will delete account from credit report because account is paid in full. It is being reported on my credit report as closed with a {$0.00} balance and it should be deleted completely as per the company ( XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am XXXX XXXX a senior Recovery Agent for XXXX, a XXXX XXXX. I have submitted to Equifax appropriate documentation ( see attached to this complain ) to report identity theft for a consumer and requested that they place an extended 7 year fraud alert for the victim, remove certain fraudulent items from the credit file in question, and provide an update credit report to verify the actions were taken. All of these requests are within my scope of authority and all actions requested are within the scope of response required under FCRA when identity theft is reported to the credit bureau. To date Equifax has failed to provide a response of any kind to these requests. The requests have been submitted on 2 separate occasions with appropriate time allowed between requests and this complaint filing to allow the credit bureau to respond. This represents a willful violation of the FCRA.

Company response to consumer: Closed with explanation