BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When we got the telephone service through XXXX XXXXXXXX we were told we had service where we lived. Phones only worked on certain roads did not work at house. Was told that a tower was going up after complaints so we would keep. No tower was installed and still phones not working. Was told to bring phones back which we did and the person that took phones told us that we should have never been told that the service would be ok. I was told that the balance would be taken off since we were told a lie regarding service and connection. I have not spoken to anyone since XXXX when phones returned and told would take care of balance. Now they are saying updated XXXX which 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 2022-08-11
Company: EQUIFAX, INC.
State: IL
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:
Congress has made it clear that Equifax has ASSUMED this role of assembling and evaluating my consumer credit, I have never given Equifax permission to do this, not only does Equifax NOT have my permission they have also NOT been given my consent. Equifax has not exercised their GRAVE responsibility, Equifax has been unfair, and Equifax has not respected my right to privacy. I have already filed multiple CFPB complaints AND an attorney general complaint. I have never constructed Equifax to furnish a report and have never consented to any report in the first place. Equifax is in breach of Federal Privacy Laws as well as their own data sharing policy per their companies website. Equifax has been asked to provide me with their alleged consent which they should have on file but Equifax does not have on file that they have my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX refused to remove an item from my credit report that isnt mine they claim it is and they will not remove it I have have a credit agency contact them on 5 different occasions please help with this matter

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 2023-01-24
Company: EQUIFAX, 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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be deleted. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get omitted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This account with XXXX was a lease. This account was paid in full and A new account was opened with a different make of car. It reflected negatively as if it were just a closed account and brought my credit score down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Mr. Cooper Group Inc.
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
See complaint XXXX. Mortgage bank agreed of removing the insufficient fund charge, a day after refinancing but, included the insufficient fund fee in the mortgage pay off. After calling customer service XXXX of XXXX about the discrepancy I received a verbal reply that the fee will not be refunded to me by management decision.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i just recieved my credir report and noticed unauthorized inquiries that shouldnt be listed within my Experian credit report.

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 2019-01-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK
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 have disputed a collections account from XXXX XXXX XXXX   on my XXXX credit report multiple times now. With zero results, nothing has changed, despite me disputing this item multiple times over several years now. I have also asked for my consumer disclosure file for this collections account, per FCRA Section 609 ( a ) ( 1 ), multiple times and never received anything from either XXXX  or XXXX. 
I have informed XXXX  multiple times that I have never received a medical bill for this alleged debt. I have informed them that it is my right to have been given a bill for this debt, which I never was given. Therefore, I also was never given the chance to dispute this item with the original creditor or collections agency. The hospital that this was most likely billed from is notorious for sending bills directly to collections when the patient did not have insurance. I have no doubt that this is most likely the case with this debt, but there again, since I have never been issued a bill for this item, I can only speculate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
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:
The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/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 2018-08-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter on XX/XX/18 and again on XX/XX/18 asking for Debt Validation as I don't know what this debt is for. As of today, XX/XX/XXXX, I have not received ANY documents stating that it is a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
In XX/XX/XXXX, i purchased a dress from XXXX with the amount of {$86.00} and i paid off the balance next day at local XXXX XXXXs store. After two weeks, i returned the item and ended up have negative balance in my store credit card and my statement. I then did not make new purchase until XX/XX/XXXX. I always noticed that i have a negative balance in my account. I already tried to call the company more than three times and they always told me that i should receive a phone call from their back office regarding to my balance. The customer service agent told me that they had mailed out a check in XX/XX/XXXX and it had cashed out. But i never the check. They do not have an estimate date when the back office personnel will call me and they do no have a phone number of their back office which i will never know when should expect the call. They told me to call every other week to follow up my case. Which i did, but i never receive any updates. What they told me was they are still follow up my case. I am tried of getting the same answer.

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 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my other 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 items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: NC
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: TX
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:
The following closed accounts placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative accounts on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XXXX XXXX, XXXX ) XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with rewards from credit card

Complaint:
I opened Bank of America Premium Rewards credit card in XXXX, which include annually {$100.00} Airline Incidental Statement credit qualifying such as baggage fees. 
I made a baggage payment of {$30.00} on XXXX with XXXX XXXX XXXX however, never receive the Statement credit. ( I still have {$30.00} credit allowance in 2019 on my account ) Called BOA customer service and they told me {$30.00} credit will applied on my account after current statement closed. 
Today is XXXX, which my last statement was closed over 7 days, I still do not see the reverse credit applied.

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 2021-03-04
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: Their investigation did not fix an error on your report

Complaint:
Beginning on XX/XX/2021, I sent in certified letters to all 3 consumer reporting agencies requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well, I have yet to hear anything back from either company and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which definitely is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX  {$120000.00} ( late payments ) 2. XXXX XXXX XXXX {$7200.00} ( late payments/student loan ) 3. XXXX XXXX ( inquiry ) 4. XXXX XXXX XXXX {$780.00} ( charge off ) 5. XXXX XXXX {$1400.00} ( chargeoff ) 6. XXXX {$0.00} ( chargeoff ) 7. XXXX XXXX XXXX {$710.00} ( collection ) 8. XXXXXXXX XXXX ( inquiry ) 9. XXXX XXXX {$4300.00} ( collection ) 10. XXXX XXXX XXXX {$300.00} ( collection ) 11. XXXX XXXX ( inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Urgent Dispute with XXXX XXXX  To Whom It XXXX Concern, I am writing to file an urgent and strongly worded dispute with XXXX Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with XXXX is XXXX XXXX XXXX XXXX. I have been a loyal customer of XXXX XXXX  for XXXX and, and regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by XXXX XXXX  regarding an outstanding debt on my account. A XXXX representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from XXXX XXXX  is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement had inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by XXXX XXXX, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that XXXX XXXX correct this injustice immediately. I demand that XXXX XXXX  take immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Failure to do so XXXX constitute violations of the following laws and regulations : Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX actions in failing to disclose the negative credit consequences of the settlement may be in violation of the FCRA, which requires fair and accurate reporting of consumer credit information. 

Fair Debt Collection Practices Act ( FDCPA ) : If XXXXXXXX XXXX XXXX representatives engaged in deceptive or unfair debt collection practices, this could be a violation of the FDCPA, which governs how debt collectors can interact with consumers. 

Truth in Lending Act ( XXXX ) : If the terms of the settlement were not adequately disclosed, it may be a violation of XXXX, which requires clear and accurate disclosure of credit terms and conditions. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with XXXX XXXX, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to XXXX XXXX  from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX I contacted Mr. Cooper to schedule a payment in the amount of {$600.00}, to be debited from my account on Friday, XX/XX/2022. The agent I spoke to confirmed via recorded audio that my payment was to be taken on XX/XX/2022. Well first she stated the XXXX and I had to correct her. The agent incompetently scheduled my payment for Friday, XX/XX/2022 which resulted in my account incurring a {$29.00} returned check fee. I contacted Mr. Cooper on XX/XX/2022 and reached an agent named XXXX. I explained the complete situation and XXXX, completely wasted my time because she didn't listen to me or understand what was going on. She called my bank, XXXX to confirm the {$600.00} transaction had been completed??? I was talking about a return check fee and this fool wants to confirm that the {$600.00} had been taken out of my account. You are confused??? Yeah, so was I. I had to stop the conversation with her at a point as her incompetence was too much to take. I was eventually transferred through Tier 2 escalation to XXXX who was equally as useless. I felt like she was busy with her cell phone as it took her forever to respond to anything. I finally sent an email to XXXX with a screenshot of the processed return check fee. I want my {$29.00} returned check fee back. I will not be punished due to the incompetence of someone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: ALLY FINANCIAL INC.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My XXXX XXXX XXXX  was totalled I had full coverage plus gap insurance for this exact reason insurance paid their share gap insurance was supposed to take care of the rest thats why I purchased it 6 months goes by I start getting phone calls from ally financial saying I still owe XXXX + I disagreed gap insurance paid them but according to ally they didn't pay the late fees that supposedly accrued while the insurance company was crossing the t 's and dotting the I 's I refused to pay them 6 months worth of late fees that accrued while they were waiting for my insurance and the gap insurance to pay for the car still they called all day everyday saying they were going to take me to court they were going to ruin my credit for as long as they could my car was totalled in XXXX or XXXX and they still refuse to let up even though the insurance paid them full price for their loss and I couldn't even get another car that is what I got out of the deal not evena souvenir from the wreckage so they paid the money for the the car I was paying them back never missed a payment or late and they want me topay what the insurance refused to they agreed on the price to pay for the car then after they accepted the money and everything was done they want to come after me for nonexistent late payments

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