BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-24
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:
I am a victim of Identity Theft. On XXXX XXXX, I sent Equifax a properly constituted Identity Theft Report, which contained a completed FTC Fraud Affidavit which I swore the truthfulness to before a Notary Public, a completed Law Enforcement Page within the affidavit, filled out by the XXXX Police Department officer who took my report, and a copy of the XXXX PD Police Report. I also enclosed a copy of my ID and a utility bill to establish my identity. Finally, I identified the fraudulent information on my Equifax report and advised that the transactions had nothing to do with me. These actions met the requirements for blocking under FCRA 605B. 

Equifax claimed several times that they did n't receive the fax, so I sent them a letter, which they received on the XXXX of XXXX, 2017. Once Equifax received the documentation, they disputed the three fraudulent accounts on a thirty day " normal/non-identity theft '' dispute cycle where the information furnisher is able to just say that the information does indeed belong to me, which defeats the point of why 605B was amended into the FCRA. 

I have repeatedly called Equifax and they have stated that they can not over ride the decision of their mail room to put it in as a 30 day dispute. So they are unable to provide a reason under FCRA 605B ( c ) on why they refuse to block fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 Transunion credit score dropped 80 points due to an adverse account from XXXX XXXX XXXX. I didn't have a loan with them but I did have a loan with XXXX XXXX. I bought a new auto from XXXX on XX/XX/2019 and financed the {$11000.00} balance for 60 months. On XX/XX/2019 I called XXXX and asked for the payoff amount. It would be {$11000.00} on XX/XX/2019, so I sent them a check that day which they made effective on XX/XX/2019. As you can see the auto was paid for before the first payment was due. I contacted XXXX about the credit report problem and they said that they would send me a payment history report and so they did. It showed everything that I have stated to be true and it also showed that I had an excess balance of {$9.00}. In the mean time I had a dispute filed with Transunion about this matter and they said that the adverse is still active on my account.The account No, XXXX XXXX XXXX XXXX It also reduced my wife, s score 75 points 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 2021-06-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
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: Account information incorrect

Complaint:
I was in a Forbearance Program with my mortgage servicing company, Rushmore Home Loan Services Corp. for XXXX, XXXX and XX/XX/XXXX. I have paid Rushmore Home Loan Services on time and the full monthly mortgage amount from XX/XX/XXXX through XX/XX/XXXX - eight ( 8 ) full months, which included the payments for the forbearance months of XXXX, XXXX and XX/XX/XXXX. On or about XX/XX/XXXX, Rushmore transferred my loan to XXXX XXXX XXXX. I made my XX/XX/XXXX mortgage payment with the new XXXX XXXX XXXX. 

After numerous requests via phone to customer services, and a written request sent to them in XX/XX/XXXX, which they acknowledge receipt of ( attached ), Rushmore has still not correctly reported the eight full payments made on time to the three Credit reporting bureaus - XXXX, XXXX and XXXX. I am requesting that the reports be properly updated. At this time, Rushmore no longer services my mortgage, and I believe they just don't care. Attached is Rushmore 's acknowledgment off my request for credit reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: REGIONS FINANCIAL CORPORATION
State: AL
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:
There are incorrect bills being reported to my credit. 1 ) Regions Bank 2 ) XXXX XXXX XXXX, ( a debt collector for XXXX XXXX ) The debts are a result of Identity theft previously reported to the above creditors yet they have not removed the accounts from my credit report. I have also previously supplied creditors and the credit companies with information regarding this ID theft and they have failed to properly investigate, remove or stop reporting incorrect collections on my credit report. I have been trying to purchase a home but I can not due to the fraudulent 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 2019-09-21
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the charge online with the collector. They sent me another notice and I told them I was disputing it because it was for charges for a phone I returned and XXXX did not properly close the account, reopened it and started charging me 4 months later. 

I spoke with XXXX several times on this issue and they continued to charge me. I contacted them again on XXXX and they told me they were submitting for a refund. 

When I spoke with the collector again today I told them I was disputing - I had already disputed with XXXX. They charged my credit card for the amount today without authorization - this bill is incorrect and an error on XXXX side. 

I spoke with XXXX later in the afternoon and again it is being submitted for a refund. The case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: WESTERN UNION COMPANY, THE
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I purchased a Western Union money order on XX/XX/2020 at our local grocery store for the amount of {$310.00}. I was using this money to pay my taxes. The next day as I was filling out the money order I made a mistake in the pay to order line and scratched thru it. I read online that the money order is no longer acceptable for payment since I have made an alteration or mistake on the money order. I looked up Western Union on the internet and tried to contact customer service. All I received was a recorded message with instructions I could barely understand since I am XXXX XXXX. There is no one to talk to at this number. Again after doing some research I found an email address to their customer service department explaining my situation. I have sent several emails requesting information on what to do and any forms that I need to fill out in order to get a refund or replacement money order. This has been going on for several weeks now and was even notified that a letter had been mailed out on XX/XX/2020. I have not received the letter or any other correspondence from them. I sent them an email today that I was going to seek other assistance with this issue. I have all my email correspondence in my gmail account. If you would like to see these emails then please send me your email address and I will send them to you. I can't understand why a company of this magnitude has such a customer service department that is so unresponsive. I appreciate all of your assistance in this issue. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Experian Information Solutions Inc.
State: IN
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:
Experian credit reporting agency is reporting that I have 2 late payments, but can not show where they are, I have no late payments AT ALL. 
In the last 90 days I have requested these be removed and they remove them for a brief period of time only to have them reappear.

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 2020-05-03
Company: CITIBANK, N.A.
State: MD
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:
In XX/XX/XXXX, I worked for XXXX XXXX : XXXX as a ( XXXX XXXX XXXX ) My job was to XXXX XXXX from XXXX  and XXXX  them XXXX XXXX XXXX. My purchases with XXXX FOR {$3600.00} was cleared with Citibank account # XXXX for payment in XXXX but, XX/XX/XXXX the company account came back Fraudulent in I got the bill. Same happened with my XXXX XXXX Credit Card for {$940.00}, XXXX Credit Card for XXXX. Everything went fraudulent after being cleared for payment in XX/XX/XXXX. Basically XXXX was fraudulent and I stopped working for them in 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 2022-11-12
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: Information belongs to someone else

Complaint:
I was Dispute Credit card XXXX XXXX XXXX XXXX XXXX  maybe more than 4 time with XXXX and I was contact to creditor more than 3 time and explained to the This credit card open fraud and some one used my Identity fraud, I am victims on that and unfortunately today this collection goes to transaction and Equifax and heart my credit please help me to explain them this account open fraudlly and I am victims on this credit and I am not knowledge about who used my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Reliable Credit Association, Inc.
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called and negotiated over several months to pay the Balance in full. The original loan amount was with Reliable Credit Association in the amount of {$2000.00}. I was incarcerated and have been struggling the last couple of years and through Covid to get my finances in order. We mutually agreed on {$1800.00} as payment in full. I asked for confirmation of the agreement before I made the payment and they advised me that they did not have a way to send me a confirmation of the agreement but that I would recieve a reciept stating a XXXX bal due and that payment had been received for payment in full. I recieved a Receipt in the mail dated for XX/XX/2020 with a remaining balance of {$1300.00}. It did not have the amount of my payment listed. 

The letter said : For : Reliable Credit Association Bal XXXX Agency Accnt # : XXXX Creditor Accnt # XXXX Thank you for your payment. You will find your current balance above. 

This company said that if I made the payment of {$1800.00} I would be released from any further liability of the debt and that collection efforts would stop and my credit report would be updated accordingly to reflect the debt was settled for less than the amount owed. This company did not live up to their end of the bargain. They committed Fraud to entice me to make a large payment that took up all of my accumulated savings to settle this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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 have had to change my checking account information for my personal checking account that pays my insurance no credit card with USAA. I have spent hours on r=the phone with them, speaking to multiple representatives and they all tell me something different. They told me my payments were ok and set up but they did not actually set them up properly causing me to get fees and late payment notices. The insurance side set up auto payments but also did not set them up correctly causing my account to go delinquent. It has been a horrible experience and their representatives obviously are not trained to take calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Experian Information Solutions Inc.
State: OH
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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my 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 explanation
Consumer complaint received 2020-05-03
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by CITI. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

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 2021-09-14
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced want now have PHH and our mortgage servicer. Recently my husband XXXX XXXX received 100 % total and permanent XXXX from the VA. That means that in TX we dont have to pay property taxes. I contacted PHH mortgage and asked for a review of the escrow acct to have the payment adjusted and get a refund of over {$5000.00} for the escrow overage we now have. PHH rep told me that the payment had been adjusted and that a refund check was going out in a week. I follow up with another rep a week later and they are telling me that they only partially reviewed the escrow acct and they have not issued a refund. I explained that a refund is owed because there is now a huge overage in our escrow acct for taxes that we no longer owe. PHH mortgage alread is aware of this because they already adjusted our payment but are not refunding our escrow for this amount. I talked to a supervisor and he told me he would call back no one has. They are holding our money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Resurgent Capital Services L.P.
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: Uptain Group, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never once received a phone call or a piece of mail stating that I owed anyone anything. I found out only years later by my credit report. I had Medicaid but later moved out of state. By the time I found out anything went wrong with billing it was already in collections and too late to fix and I didnt know you could dispute. I contacted my lawyer to make a settlement because I was also recently divorced with XXXX kids on my own and not usually receiving child support so I didnt have much money. He sent a letter on XX/XX/2018 and we have never heard anything back

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Experian Information Solutions Inc.
State: LA
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 sent several letters asking Experian to remove inaccurate addresses, telephone numbers, names and ss # that 's Reporting on my credit report..I am a of identity theft already and these fraudulent & outdated addresses, along with 2 social security numbers that are not mine, unknown numbers exposes me to become another victim ..I 've sent it verification of my ture social security number and address why would they not remove this ..Tonight I received a new Address about a address I do n't live at and never did .. By law Experian is supposed to only report true and accurate information this is a violation of my rights as a consumer

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 2020-05-03
Company: ALLY FINANCIAL INC.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Hi there, I signed to purchase my first car from a dealership in XXXX of 2016. I purchased a used XXXX  XXXX XXXX. Total cost including warranty & gap insurance was {$20000.00} with 10 % interest. The only monthly payments I could afford were the 7 year plan payments. I was approved by ally auto bank. I have been paying on time for over 3 years but ally is saying I have only paid 1/3 of the total balance. With {$1400.00} paid to interest last year how is this possible? I am so confused how 10 % of XXXX ( {$2000.00} ) is now closer to {$10000.00} that I will have to pay? I the cost of the vehicle is 50 % more. Not 10 %. This interest is a mistake or a lie. I am so confused. The bank says I will have to pay over {$30000.00} total by the end. This is robbery. I agreed to 10 %. Not 50 %.

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 2020-05-03
Company: STATE FARM BANK, FSB
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by State Farm. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.

Company response to consumer: Closed with explanation