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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2020-03-02
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a payoff of my mortgage with a payoff date of XX/XX/2020. Mr.Cooper, my mortgage servicer sent me a payoff with interest running thru the XX/XX/XXXX. I paid off the mortgage and the funds cleared my bank on XX/XX/2020. The servicer refuses to mail me a satisfaction of loan, which I have been told is a requirement in order to cancel my flood insurance policy. Fema has informed me that this policy will remain in effect and I will be charged until they receive this form. How can a company that doesn't have an interest require that I continue to keep a policy in place? 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: EQUIFAX, INC.
State: AR
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 been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX/XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it cannot be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. Please HelpXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
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: Information belongs to someone else

Complaint:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

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 2023-01-13
Company: SYNCHRONY FINANCIAL
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:
I have an od BP card that was closed in XXXX andvyuou guys are reporting me delinquent for XX/XX/XXXX on my XXXX report How? Is this possible

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 2019-01-16
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to 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 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( 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 2019-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX and Transunion are reporting an unsubstantiated claim by XXXX XXXX  XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Company: DISCOVER BANK
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2021 I deposited a check issued from tax products group and a XXXX business day hold was placed on it. Fair enough. On XX/XX/2021, the check cleared and was available in my discover account finally. Attempted to wire transfer to my XXXX XXXX account XXXX dollars because I owed that much in bills so I was aiming to use that bit for bills. When attempting, I received an email from discover stating there was a freeze on my account and to contact them immediately. I called and they stated that due to a business decision they were closing my account. I asked them about my funds and they said they would not release any funds until a 90 day investigation which is insane. I even stated to them that they violated their on deposit agreement. Nothing in the deposit agreement stated holding funds from a closed account what so ever. So I called and called and finally got a hold of somebody who said the only thing that I could have done was to get in touch with the check issuer and ask them to recall the funds. Well the day after I spoke with discover I called the tax groups number and they said being that the check had been cleared and the deposit was successful that discover took the money already ( not to mention XXXX of the funds were sent to my XXXX XXXX  the day AFTER account closure. I read over and over the deposit agreement and it simply stated that funds would be released to the account holder at the time of closing. I filed a complaint with their executive ioffice and got no aswer. This isnt right I didnt do anything but attempt to do things that my account was allowed to do which is initiate a wire transfer. Ive talked to them about a transfer of my funds to my XXXX XXXX but said no. Ive tried and tried and seems like they dont plan on being fair with me. I struggle on a day to day basis with everything I owe and other things like say care with I work XXXX hours a week just to put food in the table.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: PNC Bank N.A.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My husband passed away suddenly so I got behind on bills I got a loan from pnc bank to pay debt off more bills started piling in so I had to get help through a debt relief company I have spoke with a lady at PNC bank and told my problem and explained I was getting help my debt company has sent the bank 3 faxes stated they are in charge now and PNC takes the payment from them but keeps charging late fees on top on the amount they won't answer or give information to the debt company I'm using and I have gave the permission for them to

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account Number # XXXX XXXX XXXX and Account number # XXXX XXXX XXXX have 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2020 I had fraud by someone on my unemployment account that Bank Of America handle they removed in total {$1200.00} dlls the bank closed my account stating it was the XXXX who close the account and didnt want to give me any information about my money just said the bank was going to investigate and reach back to me by phone which never happened, only received 2 letter saying my account was closed, I contacted XXXX and they said they were going to start sending me the payments by check and that they didnt have anything to do with Bank of America closing my account, so when I called again for the 10th time to the bank they said it was XXXX that has closed the account so basically they couldnt give me an update on the money stolen. And XXXX said it couldnt be them since my claim with them is perfectly fine, te problem is with Bank Of America, Im extremely desperate dont know if Im ever going to recover my money plus every time I call the bank for an update, theres a 4 hour wait just so the tell me I have to wait and that is XXXX who has my account bolck.

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 monetary relief
Consumer complaint received 2021-11-16
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the company merchants adjustments service on XX/XX/2021, and sent another letter on XX/XX/2021 for failure to respond and failure to validate they then finally respond by violating my HIPPA RIGHTS!!!! By sending me amounts owed and also what I had done on those specific dates!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ONLINE INFORMATION SERV HAS AN ACCOUNT THAT IS NOT MINE. THAT ARE TRYING TO COLLECT ON A DEBT NOT OWED TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Paycheck Solutions llc
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I applied for a loan with this on XX/XX/XXXX my payment was XXXX per pay period I fell behind on payments in XXXX due to XXXX i reached out spoke to a representative made she said she would help me get back caught up so i paid what she requested and was back to my normal XXXX around XXXX i start seeing my XXXX payment then a few days later a payment for XXXX and i kept getting those double charges. I reach out and tell me I didnt authorize any of these charges where are they from im scheduled to pay XXXX i asked them was my payoff she said XXXX my contract was scheduled to end XX/XX/XXXX and i still owe XXXX on XXXX dollar loan plus im being over charged XXXX XXXX and XXXX XXXX XXXX XXXX  now I had a charge of XXXX on the XXXX and again on the XXXX now another today on the XXXX something is now right here and none of those charges i agreed to and they not even on my pay schedule these are random charges being sent to my account plus my regular payment was charged XX/XX/XXXX not sure what this company is doing but it's putting my account in a bad situation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I received an alert from XXXX that someone requested my credit report. On their website I found that Capitol One requested it but we already have an account and did not request a card. I locked that XXXX XXXX request online. Sometime that day we received a garbled message from XXXX that I googled online which indicated it could be a scam. I called XXXX using number on back of my CC and connected to Fraud department. Rep said there was no indications on our acct. On Wed XX/XX/XXXX I received a long form letter dated XX/XX/XXXX from XXXX they were confirming my request ( the original acct was in my name XXXX XXXX ) and to call to confirm or report as fraud. I called and spent at least 30 minutes with an outstanding rep who suggested after reviewing my info that I contact FTC/ add a Victim Statement on our SS # ( stays for 7 years ) freeze 2 of 3 reports/ and have just an alert on the third. She also shut down the request for the card. Later on XXXX XXXX after I talked with XXXX I received another but short form notice dated XX/XX/XXXX ( yes the dates are correct & received out of order ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XXXX and XXXX I was customer of wells Fargo Bank and they have me pay same fee that not was in the contract first time of opening the account, Which makes me move to 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 2021-03-19
Company: EQUIFAX, INC.
State: NC
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 have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-07
Company: EQUIFAX, INC.
State: TX
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:
my name was exposed in a data breach my personal informations were leaked and compromised some accounts and inquiries I don't recognize I want all the inquiries and negative items deleted from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was transferred(unknowingly to me) to Mr Cooper. Since the transfer they told me that my auto pay would not transfer from my old company. During this time my old company, XXXX XXXX, took the normal mortgage payment out of my bank account. Mr. Cooper then began asking me to make a payment. I told them that XXXX XXXX already took the payment from my account. Mr. Cooper then told me that was okay and they would get the payment from XXXX XXXX. I then received a phone call a few days later from Mr. Cooper. They told me that my auto pay had transferred from XXXX XXXX and that my auto payments would start in XXXX  as my XXXX  payment had already been paid to XXXX XXXX. On XX/XX/19 Mr. Cooper sent me an email saying they had taken my mortgage payment out of my account. I called them and they said it was just normal business and they would try to fix it, but I was not allowed to speak with a manager or get anything in writing saying that they would fix it. They then told me that if I don't want to be double charged then don't use their auto pay. I have been calling trying to find my money and speak with a manager, but I have not had any luck yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
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:
I sent in a letter to update my personal information and i would like to delete all old information like my name and addresses.

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