BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: NJ
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 FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE KNOW IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX someone went online and changed my address without my consent through the USPS online system. I was made aware of this change, via ( through ) a credit monitoring service I have with another Credit reporting Agency. ( Bureau ) on XX/XX/2020. On XX/XX/XXXX, I called into Equifax after setting up an account with them, and noticed many changes, in accurate information, as well as old information still being reported, on the Credit Report from Equifax. 
I called into Equifax many times in reference to disputes that I had placed with Equifax, in reference to the incorrect information.. On one of my many efforts to reach a person who could assist, I was told that my disputes were being worked on. The next few times, I was told that Equifax couldn't Identify who I was, the next few times, I was told they couldn't verify if the information I was asking to be corrected was in fact correct and would't place a block as I suggested until this was resolved. In XXXX, I was told to mail in or try to upload supporting documentation or documents pertaining to the information that needed to be updated and or corrected. I submitted a USPS change of address form, copies of identifying documents and court orders of my legal name and their own form to state what I was disputing in the Credit reporting. I did receive some correspondence back from Equifax at my updated physical address in XXXX of XXXX which was after submitting the documentation. however, The disputes of my name, address and some of the reported Creditors, balances, had finally been looked into. However, not all that i disputed, concerning my name and correct and or updated address were resolved, nor were the items reported from the Creditors and some still seem to continue to soft pull my account on a monthly basis. My name was also incorrect on the retail side of Equifax in the areas that works to prevent identity theft, where one purchases a plan from Equifax. I have also explained that someone continues to tamper with the delivery of my mail and that same person also has changed my address back to more than one of my older addresses many times within the last year. 
I have been hung up on a few times with representatives at Equifax in the past also in the middle of a phone call. I have had to call them back many times. 
Since XX/XX/2020 and until my phone call with Equifax today, XXXX XXXX, my efforts seemed to have proved little to resolve the issues. As of today, XX/XX/2020 my name, correct address and other information have been re introduced to an area of where the errors were first However, here now seems to an ongoing issue and Im asking for assistance to have this incorrect reporting stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX I applied for some deferral assistance while I was unemployed. The company granted this assistance and then in XXXX I got a notice that the difference between the interest payments I made was coming due, so I called the company and they gave me an amount which I paid on over the phone. Then I started receiving foreclosure notices sayin I owed them more. I requested a payment history report which took months to get and then went over it with an accountant and we determined that they may have given me the wrong amount so I made an additional payment which was a payment in full according to my XX/XX/XXXX statement. I then received my XXXX statement saying I still owed them more. I was unsuccessful in getting answers from the company so I filed a complaint with the State of California Office of the Attorney General. They also requested payment history information. When the company sent that information they copied me on this letter dated XX/XX/XXXX stating that they now haven't received my XXXX payment and after checking with my bank that payment cleared my account on XX/XX/XXXX, so they either failed to do their due diligence or falsely reported information to the Attorney general. I did much research finding that this company has had many class action lawsuits and complaints with a private consumer affairs site. Since then every month when I make payments if they do not get to them by the first of the month XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are calling these payments late and charging me an {$82.00} late fee. I have made numerous attempts to talk to them and get absolutely nowhere. I feel this company needs to be looked into. I have since singed a deferral agreement for approximately {$3500.00} which I do not think I owe but have no other recourse at this time. I have also spoken with HUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Affirm Holdings, Inc
State: OH
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:
They are saying my accounts are unpaid when they are clearly paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted PHH Mortgage on XXXX informing them about acc number change for my automatic payment withdrawal.. Gave all information of new account number including account number and routing number .. Fully knowing it would take a while to input new information into their system I NEVER ever told the employee not to withdraw XXXX  s payment from old account .. Someone at that bank made that decision for me .. When I noticed payment was not withdrawn I contacted them wanting to know who made that decision for me .. They are looking into that but I did not still receive an answer two months later.. That decision sent my account into downhill spiral.. They are instead of providing me an answer sending me a bill for XXXX XXXX late charges and threatening to report me to credit rating company.. I have since send in 3 payments one of which they deposited on XX/XX/21 ... I wrote to them ... called them numerous times .. as they are still working on it .. Only response from them is late charge and threatening.. I do hope you can help me ..and thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my Capital One Secured Credit Card # XXXX XXXX XXXX XXXX on XX/XX/2022. I paid off the balance due on the card and transferred all automatic charges to another card. On XX/XX/2022, I verified the card was closed. I then called customer service to determine how to obtain the refund of {$840.00} deposit I had paid to obtain the secured credit card. I was informed the deposit would automatically be refunded to me after two billing cycles which translated to two months. When I asked why they held the deposit for two months, they responded it was their policy. No other reason was provided. 

Since the account was paid in full and no additional charges can be made to the account, there is no reason for Capital One to retain the deposit for two months. Since the obligation the deposit guaranteed was satisfied and the deposit is in essence and demand bank account, the deposit should be refunded immediately when the account is paid in full and closed. 

Capital One is able to process charges, payments and deposit in a matter of days, so they are capable of processing a deposit refund in the same time frame. Holding the deposit for longer is an unfair and abusive practice that should be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2022 at around XXXX pm I can an unknown call stating I word a debt that I know was included in my bankruptcy. They said they mailed me many time at and invalid address and even my current address ( I never received any documents ). When I called they said when it goes to court I will owe over {$4000.00} if I pay {$900.00} today it will be resolved or even a down payment of {$300.00} and {$150.00} a month after XXXX XXXX paid. Also stated this would affect me writing checks for 7 years and wouldnt be able to open any accounts. Also they would take a lien on my husbands payroll. 

XXXX XXXX XXXXXXXX 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 2023-05-23
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquires in my Equifax and XXXX credit report that i did not authorized. 
my identity was stolen. on my equifax report I have 6 inquiries which are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as you can see they are a lot or a lot of repeats that they try to get credit cards also they have me under XXXX XXXX and XXXX XXXX my last name is XXXX and I have never request credit cards loans under those identity. 
all I am asking is for those inquiries to be removed. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, Chase, XXXX  XXXX XXXX. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Avantus, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Avantus LLC ran my credit without my authorization. I did not even provide my social security number. I tried to reach the mortgage company and the contact person via emails and phone calls and he is not responding to my calls. So, please clear the hard inquiry from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Acknowledge Debt Resolutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
My wife and I both received phone calls from ADR Billing LLC regarding a debt I supposedly owed. When the caller told me the last XXXX of the social security number I told them they had the wrong person and to please stop calling us. A few days passed and today, XXXX my wife received a phone again from the same phone number XXXX. After my wife told them to stop calling he began to use abusive language and even XXXX remarks. He called her a XXXX XXXX and you still live by the XXXX  and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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 information incorrect

Complaint:
I would like a full investigation of the account listed below : XXXX XXXX - Account number : XXXX After looking at my credit report, I noticed that your company is reporting different balances for the account listed above. From my understanding of the Fair Credit Reporting Act, you are required to report any and all information pertaining to the account listed above 100 % accurately. 

1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. XXXX XXXX is reporting different inaccurate balances of {$15000.00} and {$18000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Please update my personal information and delete all of the accounts with errors which I have attached they are affecting me from getting approved for a home loan

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 2020-07-15
Company: Synovus Bank
State: NV
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 had a deferred interest loan/card with Synovus Bank / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Medical Data Systems, Inc.
State: NC
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:
In XXXX I discovered my credit score had fallen 100 points. I requested a credit report. It showed a claim sent to collections from XXXX XXXX  with the account number XXXX, +2 additional accounts. I am mediately called the phone number and paid the debt. I Had never been notified that I had a debt. The collection agency, medical data systems Inc., doing business as medical revenue service from XXXX Florida, noted that the bill was from XX/XX/2019 and had been sent to an address where I lived eight years prior. I asked if I should file a complaint. I was told no. I was told that I would receive a deletion letter from medical revenue service. Ive had to follow up for nearly 2 months with numerous phone calls, as well as emails requesting that my name and credit be cleared. As of yesterday,

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 2020-07-15
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: Account status incorrect

Complaint:
XXXX- -My name is XXXX XXXX , the last four of my SS # is XXXX. My account number is XXXX. I am writing to dispute the late payment reported by XXXX. I have been impacted by XXXX. Not only did I have the XXXX and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XXXX 2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! THEY NEED TO CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX  needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND CALL ME ONCE THAT IS DONE!

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. 

XXXX  XXXX bank : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX  XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXXXXXX 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 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 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 2021-09-04
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Report Number XXXX Date Generated XX/XX/2021 Experian failed to delete this account from my credit report after the original creditor gave permission and all other CRA have deleted the same account.

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