BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 any 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 non-monetary relief
Consumer complaint received 2022-01-25
Company: OneMain Finance Corporation
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
ONE MAIN You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband passed away, the title of the house has been transferred to me as the surviving joint tenant. I was told by Lender to apply for the Loan Modification - Loan Assumption process to get the loan on my name. I have sufficient income and submitted all required documents in the timely fashion following Lender 's Instructions. First Lender was keep asking for the same documents when even the Relationship Manager has to apologize to us for inconvenience. Now on XX/XX/2018 Lender executed the BPO that supported by the similar value of the Lender 's the Interior Appraisal of $ XXXX instead of completing the Loan Modification - Loan Assumption process for the widow, Lender orders another BPO on XX/XX/2018 and denies widow for Loan Modification - Loan Assumption process using the $ XXXX value for NPV Test. My understanding and according to the same Lender only one BPO or Appraisal can be ordered every 90 days. The same NPV test also showed that my gross income three times less than showed on all submitted supporting income documentation. The Lender keeps playing with the value of the property. I hope this all a simply accidental issue and not the staged circumstances to victimize the widow by inflammation of the property price opinion and ignoring valid Interior Appraised value of the property done by certified appraiser hired by the Lender itself. I am requesting to postpone the foreclosure sale for the subject property and review the circumstances listed above to complete Loan Modification - Assumption processed for the widow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : 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 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Purchased XXXX BTC for {$100.00} at XXXX/XXXX/2018 XXXX on Coinbase.com and initiated a transfer to another exchange moments later. It is now almost 24 hours later and still showing " pending ''. Coinbase is refusing to initiate transfer, as transaction still shows " XXXX '' confirmations. This means they have yet to submit it to the blockchain to get authorized on the bitcoin blockchain. 

I am not the only one with this issue. If you visit their XXXX page ( XXXX ) you will see hundreds of other people with the same issue. It is causing us to lose money, borderline fraudulent, and morally not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I'm writing to express how DISSATISFIED I am with your recent claims about my accounts. Due to the lack of substantial factual evidence to support your allegations, I hereby contest these claims. Thus, without further ado, I implore you to IMMEDIATELY COMMENCE A COMPREHENSIVE INVESTIGATION INTO THESE MATTERS. 
My financial situation has been severely tarnished by these allegations, which also have the potential to seriously damage my creditworthiness. To avoid such negative effects, it is imperative that we precisely and quickly handle this matter. 
I require you to dispute these reports as soon as possible and provide me with verifiable proof to support your claims. If I don't, I'll be forced to take legal action to protect my rights and make this right. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My expectations are that you will treat my concerns with the seriousness they deserve and that your bureau will follow the rules of justice and truth in handling this case. I am awaiting a timely response and a resolute commitment to thoroughly investigating this disagreement.

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 2017-05-17
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, my uncle, XXXX XXXX XXXX age XXXX, refinanced his home at the encouragement of a mortgage broker with XXXX XXXX XXXX. He died in XXXX and his widow, my aunt, XXXX XXXX, was left with the XXXX XXXX dollar mortgage. She put the house on the market and was unable to sell the house at that time because the house was valued less than the mortgage. In fact, the house was worth less than the mortgage in XXXXThe house could never have guaranteed this mortgage. My aunt continued to live alone in the house, living a life of extreme frugality and unhappiness because she was unable to sell the house anywhere near the mortgage payoff amount. Foreclosure was not an option in her mind. There were no other options available to her at that time. She paid the {$10000.00} mortgage payment monthly like a prisoner on death row until her death in XXXX of XXXX. At that time, I was advised that I was named sole heir of the property via will and trust documentation. I have been living in the house and maintaining it since I came to care for her in XXXX of XXXX when she was terminally ill. The despair she experienced from this situation affected her quality of life and contributed to her demise unquestionably. Most recently I have received a notice to vacate the property. I had been waiting for this bank to file a claim against my aunt 's estate because I was going to deny the claim. This was a predatory, fraudulent mortgage. The bank was guilty of unjust enrichment. My aunt and uncle were exemplary people and my aunt did not deserve to spend the last years of her life in anxiety and fear. All of her retirement money went to pay this fraudulent mortgage. She had about one year of money left if she did not die. I estimate that at least {$600000.00} was paid to the bank over the course of 6 years and the balance on the mortgage was still XXXX XXXX. Now XXXX XXXX with fees etc. The last time the house was appraised in XXXX for about {$500000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The information shows that the account is placed as a in collection or charged off. This information is very inaccurate because I was considered XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Affairs. I did all the required documents so it was placed as a loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
What happened in regards to the estate of XXXX XXXX is the authorized agent of the principal has tender payment to satisfy discharge and setoff to the principal account and credit principal balance. Attempts to further this conversation with the Westlake financial federal reserve agent also known as XXXX XXXXwith no correspondence to the tender that's was presented the registered number for the certified mail is # XXXX I have not been issued a correspondence for the tendered payment.UNDER DURESS THE VEHICLE WAS REPOED WITHOUT LEAVING ANY NOTORIZED DOCUMENTATION BY AN MAGISTRATE/OFFICER OF THE COURT. IN BREACH OF SECURITY AGREEMENT TERMS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, 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:
I sent out letters on XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not authorize these companies to pull nor access my credit report. These have not been properly investigated nor disputed. This is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
On ( XX/XX/XXXX ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.

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 2020-01-06
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/2019 made an online XXXX purchase, receiving a 12 month same as cash thru Comenity Capital Bank. So I thought until I received my invoice. After a year of going back and fourth with XXXX, Comenity Bank and XXXX, the bank is refusing to honor the special financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 any 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 non-monetary relief
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting 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:
Theirs addresses on my file that I don't have any contact with, I wrote to them and told them that i have one address, and one name and that i would like them to remove them other address of my credit file, as too I have one employment and no phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  XXXX XXXX Balance : {$280000.00} XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently opened XXXX XXXX profile. And upon reviewing it I realized it was an account on there that I was not responsible for. Nor did I authorize anyone else to open in my behalf.

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 2023-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Equifax credit score and information is not updating. It is reflecting outdated and incorrect information. It is significantly lower than all of my other scores by XXXX points. This is impacting my ability to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I've opened a new Checking account with Citi and deposited {$200000.00}. Citi has created a promotion in which you will receive a {$1500.00} bonus if you leave your funds in for 60 days ; however it is required you enroll in the Welcome Checking Cash Bonus Offer via a representative. They've made it impossible for the representative to enroll you, so you will not know if you are eligible to receive the bonus until after 170 days of holding your funds at a level of {$200000.00} in the account. This promotion is a deceptive practice that allows them to utilize your funds where they've developed a loop hole to never have to pay out the bonus. I've contacted multiple representatives and they can not help 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 explanation
Consumer complaint received 2019-07-30
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:
I received this letter today from Equifax asking for proof of identity. I am enclosing I'd, ss # and police report fromXX/XX/XXXX where I did a police report 2 months ago for idenity theft. I found numerous accounts on my credit report that's not mine nor did I authorize. All these accounts were open online. Without my knowledge. Please remove the following from my credit report. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX XXXX XXXX x3 XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : : : : : : : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 2023-12-11
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to express my deep frustration and dismay regarding your continuous denial of my legitimate identity theft claim. Despite providing clear evidence, including a Federal Trade Commission ( FTC ) Identity Theft Report ( Report # XXXX ) and a police report from the XXXX XXXX Police Department ( Report # XXXX ), you persist in violating my rights by refusing to acknowledge and address the fraudulent accounts on my credit report. It has been over a year since I initiated this dispute, and the fact that it remains unresolved is not only unacceptable but also a direct violation of multiple laws governing consumer rights and fair credit reporting. I am left with no choice but to bring this matter to your attention and issue a final warning before pursuing legal action. Your refusal to take appropriate action not only disregards the evidence I have presented but also demonstrates a willful violation of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I demand, in no uncertain terms, that you promptly and thoroughly investigate my identity theft claim and take immediate steps to delete the fraudulent accounts from my credit report. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief