BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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: 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 XXXX XXXX XXXX. 

# XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX, # XXXXXXXX XXXX, # XXXX XXXX XXXXXXXX & XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX has XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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 ( FCRA ), XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # 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 an account without written instructions. 

all the proof of dispute certified receipts are attached as well as the reports showing other reporting violations other than my Privacy. These Creditors and the Reporting Agencies XXXX, Equifax XXXX XXXX XXXX have violated my rights pertaining incorrect or incomplete reporting 15 U.S.C. 1681i Paragraph ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 never live at a certain address and I never had some of the phone numbers. And on one report last name is wrong.

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 2020-02-29
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: Account information incorrect

Complaint:
XXXX XXXX XXXX  is reporting late payments to Experian. I have never been more than 30 days late on my credit card bill this could be an error the months and year it was reported were XXXX, XXXX, XX/XX/XXXX and XX/XX/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 2020-07-12
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX my step-mother entered a trust allocated residential property into a reverse mortgage. The entities involved, did not contact beneficiaries. After our father passed away in XX/XX/XXXX, our step-mother, who was the sole trustee of the family trust, had no idea what her responsibilities were. She was in ill health and lacked XXXX  capacity. The house was almost paid off and she had adequate income to cover expenses. However, she had the front and backyard re-landscaped at over-market cost. She took out a loan, in addition to the existing mortgage, without consulting my brother or myself as beneficiaries. We believe her neighbors coerced her into having the landscaping done because she could not afford it. Later that year, in XXXX and XXXX, XXXX, she took out a reverse mortgage. Again, no one contacted either of us. The house was named in a family trust, and we should have been notified. We would not have agreed to this transaction. XXXX  XXXX  XXXX  Loan No. XXXX was paid in full when the house sold in XXXX XXXX, but without full agreement that we owned the entire amount. Our step-mother passed away just weeks after the sale. She was formally diagnosed with XXXX   XXXX in XXXX. However, her actions after our father died demonstrate that she was lacking in capacity as early as XXXX. The lien has been released on the house and so that issue is finalized. We are now requesting a refund of the interest and the insurance on the original loan, about $ XXXX. Because the house was named in the Trust, and we were never notified of the reverse mortgage, we are disputing the full pay-off amount. We have submitted our dispute to a few entities and have yet to have a satisfactory resolution. We believe that it was the duty of someone to inform us, as Beneficiaries of the Trust, before this transaction took place. It is clear that over the years, our step-mother was the victim of elder financial abuse and we believe her neighbors were instrumental in facilitating the actions that compromised the Trust assets. That said, XXXX  XXXX  XXXX, XXXX, XXXX and Celink, were all parties to this transaction, among others, were negligent in not informing Beneficiaries. Because my brother was the Successor Trustee, with DPOA, and we are both Beneficiaries, and because our step-mother had no clue as to what she was doing, we believe that we are entitled to restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: U.S. BANCORP
State: NJ
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 do not have credit history because recently starting to work under XXXX  so every time I went through I get inquiry.

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 2021-11-29
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX Amount : {$500.00} XXXX, XXXX XXXX XXXX Amount : {$350.00} Date:XXXX n accordance with the Fair Credit Reporting act XXXX Account # XXXX And 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX I filed for chapter XXXX bankruptcy protection. I came to an agreement with the Federal Trustee to voluntarily agree to a dismissal of discharge. I have sent this documentation from the Federal Bankruptcy court Massachusetts Division to Equifax in two complaints. One complaint was on XX/XX/XXXX and the second on XX/XX/XXXX. I stated that the bankruptcy was being reported by Equifax as Discharged. It has not been discharged and no debts were discharged. They continue to not agree with the documentation from the Federal Bankruptcy Court Massachusetts in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I'm a XXXX veteran and I have recently had my rating increase to XXXX % As per the state of Illinois any rating higher than XXXX  % is tax exempt and I'm now text exempt. After numerous contacts with freedom mortgage, I believe I was intentionally misled as to when it would be applied. My lawyer 's office was previously informed that in XXXX freedom mortgage would conduct an escrow analysis and make any necessary adjustments and apply my exemption. I have provided VA award letter to the county assessor 's office with the necessary documents and in return I have received a letter from my assessor 's office stating that I'm now tax exempt. I have forwarded the text exemption letter from my local assessor 's office along with my VA XXXX rating award letter as my previous tax bill and that shows the amount of SSA I would be liable for. if I were not misled as to the application of my tax exemption I would have never refinance with this company and went with another lender. I'm now being told that I have to wait a year to receive my tax bill that states that I'm text exempt shows XXXX dollars due. Which the letter I have clearly states that I'm text exempt and none will be due. Veterans and XXXX veterans beware, freedom mortgage policies and guidelines directly Enforce the holding of monies from veterans when it is clearly not necessary.

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 2023-02-23
Company: ACIMA CREDIT, LLC
State: MD
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:
Ive been a victim of identity theft, someone used my credit to obtain credit cards and Loans that Ive never apply, fraud accounts I have a police report and a federal trade commission report Acima digital FKA simple XX/XX/XXXX {$3000.00} XXXX  XXXX XXXX XX/XX/XXXX {$820.00} XXXX XXXX  XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
This is related to complaint # XXXX. I am helping my father and mother with this complaint. Upon speaking with my Dad when I returned from a business trip, he told an appraiser " strong armed " him into allowing him to appraise his condo. They represented Champion Mortgage. My Dad also told me Champion Mortgage had called and harassed him about going to the tax collectors office and providing proof he paid his taxes. The taxes have been paid for the year and my dad referred them to the XXXX XXXX records. This company continues to harass my parents, threaten them and they still not credited his account back for erroneously force placing an exorbitant amount of flood insurance wrongly, as outlined in the previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-31
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
After reviewing my credit report from EQUIFAX, I have noticed that the report shows 11 credit inquires that I did not authorize.I have sent letters to these companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. 
1.XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 12.XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXX XXXX XX/XX/XXXX 13.XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XX/XX/XXXX 9XXXX XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone went and used my ID in order to avoid being charged for XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Have a home equity line of credit from Bank of America since 2018. Selling my house and needed to close the account for release of lien. Made all my payments on time. XXXX  balance. BOA now charging a early closure fee of {$450.00}!! in addition to a lien release fee. Never was told at closing in 2018 regarding all these fees. Just a total ripoff.

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 2022-10-09
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX Experian ; Complaint # XXXX XXXX ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section

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 2023-02-28
Company: EQUIFAX, 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:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, I was buying concert tickets from a seller. On XXXX messenger, the seller agreed to send the tickets through email after I sent money through PayPal. I sent the money but never received the concert tickets. I tried to file a complaint with PayPal, but they denied it. I also reached out to the seller on XXXX messenger as well as email. The seller blocked me on XXXX messenger and hasn't responded to my email. Could you please help resolve this issue. I transferred {$30.00} to the seller and was charged {$1.00} fee, but did not receive my concert tickets. My birthday is tomorrow and this is very upsetting. I appreciate your time in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
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 am unsure of how anyone was able to access my credit file without my knowledge. There are several items reporting that does not belong to me. These is are reporting as a result of identity theft. Please assist me in getting these items removed from my credit file Incorrect Name Reporting : XXXX ( I don't write name altogether ) ; XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, Judgemntcollection XXXX XXXX that is reporting on Equifax only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I've recently started up a Venmo account for my business ( it's a business Venmo Account ). They've allowed me to create the account by way of answering questions about my business upfront. After the account was created, I had access to accept payments from my customers which are held on my Venmo account, but they flagged the payment as " suspicious '' and froze my account to where I can't transfer MY money to MY bank account. 

If the activity was " suspicious '' and needed to be verified, the transaction should've been blocked BEFOREHAND before allowing the money to come thru the Venmo platform and before taking their fee for accepting payments. They got their cut of my money to add to their capital, but I'm left trying to figure out how to access my money. 

Venmo is asking for documents to verify my business, and I've done this to an extent when I signed up. If they needed more information, they should've asked for it upfront with the questionnaire I completed to start up the account initially. 

The person who I got in touch with is XXXX XXXX XXXX they don't provide last names in the emails ) who did very little to help. She said that she was the highest up that could assist with my situation and that I had to continue to wait for her team to verify my account even after telling her I'd use XXXX and close my account with Venmo so they could release my funds to my bank. This part was pretty frustrating because if I'm telling you I do not want your services and you have my money, you need not verify documents ( which I've already provided ) or hold me/my money up in your process as if I would continue to be a Venmo customer. 

Simply release my money to my bank so that I can used the funds for business related bills and operating expenses. 

They're doing this to other people, I'm quite sure of it, and it needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
USAA credit card account is reporting on my report and it is not mine did NOT apply for this account nor is this my debit this account is hurting my credit and USAA refuse to dele this account i have tried to communicate with them with letters and phone call and they keep reporting this account as mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation