BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: MN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 USB XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ) Section States : no consumer reporting agency May make an consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions 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 knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion you verified this account now [ validate } this account as per enclosed documents 15 days should be enough for you because you verified it you should have the records right

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I have been disputing since XX/XX/XXXX. I sent dispute letters on XX/XX/XXXX as well. I have not received anything from Equifax, XXXX, nor XXXX. They have inaccurate information on my credit report. Equifax, XXXX, and XXXX are also violating my rights under FCRA and not in compliance with the laws. 

The list of accounts that I have not received results from my investigation since XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: BANK OZK
State: GA
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 purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the Bank OZK mortgage department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
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: Old information reappears or never goes away

Complaint:
I have been a victim of TranusUnion inquiry issue I called their customer service but he would not help and take care of the negative inquiries reporting on my credit report these items on my report are affecting me tremendously.

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 2023-03-22
Company: Frost-Arnett Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an open balance with XXXX XXXX XXXX XXXX. I thought the amount was too high so I wanted to read through my insurance policy and check the math on the amount owed. Unfortunately, the debt slipped my mind and became long overdue. Frost-Arnett sent me a letter and I was reminded of it. I paid {$400.00}, the total amount due, directly to XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letters and phone calls from Frost-Arnett are still continuing. I have explained on four separate calls that the debt was paid directly to XXXX. After the third call around XX/XX/XXXX from Frost-Arnett I called XXXX and was told my outstanding balance was cleared months ago and owed XXXX. They did state that they or Frost-Arnett were having technical issues communicating with each other but it had be resolved. 

I would highly recommend that if anyone were to receive a call from Frost-Arnett that they not pay anything until after confirming with the party the debt originated from the amount owed is correct. Frost-Arnett 's competency, from my experience, is subpar and relying on them appears to be risky.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In response to several complaints I have filed against Chase they now are claiming, in a letter dated XX/XX/2019 they did not receive my XXXX payment despite the fact that the payment cleared my account on XX/XX/2019. These people really are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Resurgent Capital Services L.P.
State: LA
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 creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent.

XXXX XXXX XXXXis reporting I owe a debt of {$810.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hi this is XXXX XXXX i disputed a transaction on capital one and they re billed it cause i never received there request of more proves so i had to call them and re open the case they request a pic of the phone and etc .... so i provided them with all they requested and they never follow up with me i had had to call and last time on XX/XX/XXXX after many times of uploding the information they requested and adjusting what they asked me to do i called on XX/XX/XXXXand the supervisor said this all what we need u have a strong case, and they never follow up with me i have to call every time and waste like at least 40 min, anways they ended up not disputing the transaction they said I did provide them with the all informTion, which i sent exactly whAt the request and everytime they say i should have sent diff documents, yesterday i spent 2 hours and all what they said unfortunately we can do nothing!!! After wasting my time between calling them on the phone and going to another merchant to get another opinion regarding my case, they said I didnt provide them what With information they needed, i asked them i need to see the third party decision which is master card they refused to send me which i believe they never sent the case to be reviewed by master card, and u told them i can go again and provide u with the statement with a letter head from the merchant they refused to open my case 0 customer service they did care about wasting my time for nothing!!!!!!!!! why they didnt tell me from day what they needed exactly!? And why they confirmed that they got all what they needed whenever i called them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
Im submitting a complaint to inform you again I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; CHILD SUPPORT ENFORCEM XXXX Balance : {$1100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} 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 2018-08-19
Company: Insikt, 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: Credit inquiries on your report that you don't recognize

Complaint:
These random companies keep pulling my credit report and I have not authorized any of these credit pulls. Every time I check my credit, a new hard inquiry is on my report and I have not agreed for anyone to pull my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Omega RMS, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called XXXX and asked them what my bill was gave them my card and paid them. A week later I am in collections with a collection company and I dispute it XXXX tells me all i need to pay is XXXX to restore service I have never gotten a bill to justify the debt since they said they would send it and never did. Another week later I hear from another collection agency this time saying that I owe over XXXX and to pay them immediately. I do not have a contract with this company nor do I owe them any money. I am still waiting on a proper bill today I receive a bill this time its in my husbands name and he has not owed nor had an account with XXXXXXXX in YEARS its like they look for names of people and send a bill. My husband does not have a contract with XXXX and if they are doing this to me the consumer they are doing this same foolishness to other customers. One account with different names then one account with three different numbers one account without a signature for the contract they are billing whomever and whatever to make profit off anyone in the household.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, INC.
State: PA
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:
I XXXX XXXX XXXX federally protected consumer have been a victim of Identity theft. I have contacted XXXX 4 times about this matter. As PER 605B ( 15 USC 1681c-2 ) any information that the consumer identifies as information resulting from Identity theft must be blocked and deleted no later than 4 business days. I have attached my return mail reciept and the Identity theft documention as well as my letter I wrote.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX a withdrawal from my account for XXXX XX/XX/XXXX a withdrawal from my account in XXXX XX/XX/XXXX a withdrawal for XXXX I called Bank of America on XX/XX/XXXX when I logged into my account and saw that they said my account was on hold for suspicious activities. I looked and there were a bunch of transaction that I did not do. They are from XXXX and XXXX. I have not bought anything or been to those places. I filed a request for a claim they did not grant it. The bank said I must know the person and I authorized them. That is not true at all. I dont know if the bank is trying to steal my money but I did not do that. I didnt receive any notification or anything they just let these people steal my money. I need my mo eye back I am on a fixed income. Please help me I dont know what to do

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 2023-05-24
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: SC
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 # XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, and account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: Experian Information Solutions Inc.
State: KY
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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX  XXXX Balance : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: SUN WEST MORTGAGE COMPANY, INC.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Closed on a 15year conventional mortgage with Sun West Mortgage Co XXXX ID XXXX Loan Amount : $ XXXX 3.125 % over 15 years At closing Sun West collect prepaid interest to XX/XX/XXXX My 1st monthly payment was not due until XX/XX/XXXX On XX/XX/XXXX I made a payment to Sun West for {$1500.00} I called Sun West and asked them to apply this 1-time extra payment directly to principal owing. as I had no interest owning at the time.and my first monthly payment was not due until XX/XX/XXXX. 

I recently got my statement and Sun West did not apply the entire XX/XX/XXXX payment to principal. They took {$560.00} from the XX/XX/XXXX payment as interest and only applied {$940.00} toward principal. This is unfair as {$560.00} in interest was not due for another month ( not until XXXX ). 
I contacted Sun West about this and they refused to fix the issue on XX/XX/XXXX I made a payment to Sun West for {$1500.00} This is to cover my monthly payment starting XX/XX/XXXX Again Sun West took {$560.00} in interest ( not due until XXXX ) for the entire month of XXXX I sent Sun West an email about this. 

Note Terms : All payments accepted and applied by lender shall be applied in the following order of priority : a ) Interest due under the Note b ) Principal due under the Note c ) Such payments shall be applied to each Periodic Payment in the order in which it became due. Any remaining amounts shall be applied first to late charges, second to any other amounts due and then to reduce the principal balance of the Note.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS
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 BEEN CONTACTING CHEX SYSTEM ABOUT THESE FRAUD 5 BANK ACCOUNTS FROM XXXX XXXX XXXX XXXX .I SENT IN DOCUMENTS TO HAVE THEM REMOVE BUT THEY NEVER REMOVE THEM. THEY EMPLOYEE HAVE LIED TO ME SEVERAL TIME ABOUT COMPUTER DATA ISSUE BUT IM STUCK WITH THESE ACCOUNTS ON MY FILE AND ITS EFFECTING MY LIVELYHOOD AND MY FAMILY.

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