BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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:
I reached out to this agency back i XX/XX/2018 regarding some items on my credit there were not mine. I'm trying to go through the first time home buyer program at my church however I dont even qualify. If there is a next step is should take please let me know. Please have these items removed from my credit. XXXX Acct # XXXX and 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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.

Account Name : # 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 : It also states that a consumer reporting agency can not furnish an 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 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 2020-06-05
Company: Experian Information Solutions 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 needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Pinnacle Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract. 

I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract. 

Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Covid created a 75 % loss to my business. We had a 2nd mortgage through " Security Service Federal Credit Union ''. On XX/XX/XXXX we received a forbearance. That ended on XX/XX/XXXX. According to the NCUA ( National Credit Union Administration ) after the forbearance period, I should have be allowed ( since I had never missed a payment ) to have a deferral, since I can now make the regular payment. This deferral was to allow me to place the missed payment at the end of the loan and subordinate lien. Instead, XXXX asked to numerous items. I promptly gave them all the documentation they had asked for and time after time XXXX stated I had failed to provide the supporting documentation. This is a blatant lie and it went on for 11 months. According to the law, it should have been completed in 30 days or less. In addition, they were trying to do a loan modification which is not practical for me. Last week, I received a phone call stating they had rejected the loan modification and that all of my CARES ACT missed payments are no due and they will start foreclosure process. This 2nd mortgage was for only {$16000.00} and I have equity of over {$600000.00}. It is obvious the they are violated the CARES ACT and the NCUA guidelines. They have been charging interest the entire time too.

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 2019-01-31
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Originally, in XX/XX/XXXX I have opened saving and investment accounts in XXXX XXXX XXXX  which is a former body before merging with Fifth Third bank. 
As I wanted to close the accounts, I asked the Fifth Third bank what I should do to close on XX/XX/XXXX. 
Then the customer service of the bank told me that I should make a phone call to a customer service professional of the bank and they could not give any information on my account through email due to their security reason. 
As the bank told, I called at their customer service professional on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX during the business hours. 
Because the phone was cut off automatically after 20 min every time, I can not talk with the bank stuff enough to solve this problem. And the stuff said that he could not search the old accounts of XXXX XXXX XXXX  at customer service. I'm at loss for this situation. 
They have not given any information through email with their security reason. I don't know whether my accounts of XXXX XXXX XXXX  belong to the Fifth Third bank and what kind of situation is my account. 
Also, I searched my accounts in Unclaimed Money website, but nothing matched. 
I want to know what I should do to close my accounts of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Premier Student Loan Center
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been paying premier student loan and it looks like they are in a lawsuit with the government. Seems the business is temporary shut down but they have been taking payments from me for a while

Company response to consumer: Untimely response
Consumer complaint received 2021-05-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Against Penny Mac mortgages I am formally disputing the appraisal, based on the XXXX XXXX specifically listed reasons contained within this email- there has been a gross material misrepresentation by the appraiser, which I also intend to take up the city 's licensing board for appraisers as he was asking my opinion of value and for information on the unit. 

The company is refusing to reconsider the appraisal or even allow me to conduct another appraisal. They also have provided no response to my requests for answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Resurgent Capital Services L.P.
State: OH
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 have contacted XXXX XXXX on numerous occasions for the debt they are claiming to be verified. Unfortunately I was not provided with no validation documents. I submitted certified letters each time I requested the debt validation to XXXX XXXX. I did receive a credit card statement but no actual copy of a document verifying the debt and it was longer than the 30 days time period. I have been sending debt validation letters since XX/XX/2017. They did contact me by phone in XX/XX/2017 threatening to take me to court and I requested for them to mail me all valid correspondence in the mail but they did not provide me with anything. This account is being reported negatively on my credit report but they are not upholding their duty by providing me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Experian Information Solutions 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've recently been getting updates and warning about my personal information being on the BLACK WEB. So I've been looking at my credit report and noticed XXXX XXXX XXXX on my credit report and I have never had or applied for a account with this company. This account shows to be open since XX/XX/2018.

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 2023-09-27
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/23 I got a copy of my consumer report and there were some inaccurate items being reported. XXXX XXXX XXXX XXXX and XXXX XXXX. I requested proof of these alleged debts based on 15 USC 1681i ( a ) I never received any correspondence in relations with these accounts. I also noticed that the dates are not matching up with all agencies involved. I have included evidence of these inaccuracies along with this request. If you can verify these accounts then I want a copy of the evidence used to verify these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: TRANSWORLD SYSTEMS INC
State: PA
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 noticed that a collection from the company Transworld kept showing up on my credit report last year. I called the company at that time and they informed that I owed a outstanding medical bill a hospital in new jersey for emergency room services XX/XX/2017 or XX/XX/2017. i explained to them that I had health insurance at the time. they explained that I had to have the insurance company contact them. The insurance company contacted the collection agency and to my knowledge the bill was paid. I noticed that it did disappear off of my credit report, but then it reappeared again a month later for the same thing by the same company. I then contacted them again about this matter, I also had the insurance company contact them again. I was told by Transworld to not contact them again ; i should contact the insurance company and the person who made the bill which is XXXX XXXX. I contacted XXXX XXXX and they said the bill had been paid. The insurance company of XXXX of Delaware tried contacting them again to tell them that this bill has been paid to no avail. That was two weeks ago and I contacted the Credit Bureau to see what they could do because it still is not off of my credit report. The Credit Bureau suggested that I report them to your organization due to the fact that this is the second time that they will have to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: United PanAm Financial Corp.
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: SECURITY FINANCE CORP
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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

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 2022-10-11
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE debt collectors agreed to remove debt from my credit report. They removed it, then re-added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Square Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
A transaction was performed through Cash app XX/XX/2020 without my authorization for a debit of {$85.00} to an individual for services,. The services were not performed and i requested a refund back through the individual just to have them deny the refund. I reached out to cash app to resolve they did not they advise go to there website. I reached out to my XXXX bank to report it they replaced my card as a resolution. i still have not received a refund and i lost {$85.00}. As a consumer it seems i have no rights and individuals can use a 3rd party like cash app to scam people out of money. I have spoken with a supervisor at XXXX and he simply advised me i am not protected by 3rd party transaction even though its my money. I have been with XXXX for 25 yrs and can not believe there is no protection for there customers from 3rd party scams involving Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX # XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.

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 2019-11-06
Company: Thaxton Investment Corporation
State: SC
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 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on TransUnion for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. I HAVE ATTACHED SOME LETTERS THAT I HAVE SENT TO THEM IN THE PAST.

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 2023-07-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-22
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX   XXXX XXXX, DEPT OF EDUCATION/XXXX Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation