BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: AZ
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:
I would like to bring to your attention that an account on my credit report is incomplete and does not meet the FCRA standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is inaccurate, incomplete and not adhering to compliance standards. According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Equifax have on file for me doesn't match what's listed, then there are problems with either Equifax records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Equifax must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently, and the above account removed. According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. Therefore, this account must me removed from my report.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: MD
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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. 
The FCRA

Company response to consumer: In progress
Consumer complaint received 2021-07-22
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Im receiving phone calls repeatedly after I told them that they had the wrong number and person. Ive asked them not to call but they will call again. They say at first that the call is being recorded in a attempt to collect a debt. They call from different phone numbers and different states. Im called 4 to 5 times a day. I feel harassed. Im XXXX and have XXXX young boys with XXXX who are XXXX. I have to answer my phone due to communication with medical and state offices. Its gotten so bad Im afraid to answer and triggered my XXXX. They are running up our phone bills and upsetting everyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here is the account that is erroneous in my file and need investigation XXXX  XXXX XXXX XXXX Balance : {$970.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: NAVY FEDERAL CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries Want them removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-29
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When checking my credit report, i found that this company is saying that i owe them {$2500.00} i have not taken out no loan or owe this company any money. i want this taken off my report. i will keep sending complaints until this is solved. i will write letters personally if i need too.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-25
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Inquired about loan forgiviness as I qualify due to school closing, sent packet off certified no response or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I obtained a mortgage on a property at XXXX XXXX, XXXX Texas in XXXX and the mortgage was sold to Mr. Cooper in XXXX. The problem started this year in XXXX when we made a principal reduction which left a balance on the loan of approximately {$48000.00}. This would have put the loan to value on the property at 15 %, of which I assumed PMI would have been cancelled, however, I recently learned while trying to close out this loan it was not cancelled. I was told I had to call the PMI department to have them cancel it because unless a client requested it they will keep charging the PMI regardless of the LTV. 
We later paid an additional principal amount in XXXX which we thought would have paid off the loan. We then called to get a payoff amount and we received the payoff quote of {$820.00} which we paid on XXXX. However, I received a current statement from Mr. Cooper in the amount of {$2400.00} dated XX/XX/XXXX. I started the process of reconciling this issue with Mr. Cooper, I talked to 5 people on recorded lines at Mr. Cooper at different levels of the organization. Each time I was told different things from yes I see where this mortgage should have been closed out in XXXX to my last call last night where I was told I did owe the money and the only thing I can do is pay the now owed {$800.00} principal and interest out of my escrow account to close out this mortgage. I agreed to this because I now have a collection agency hired by Mr. Cooper calling me and texting me about my past due payment. I have also been charged late fees and they are still charging me the monthly PMI premium of approximately {$130.00}. I have requested a full review of the account from the agents I have spoken with and they have told me they will get the accounting review team involved but nothing as happened. I don't believe we owe the additional amount of {$800.00} which I agreed to have taken out of my escrow account in order to just move on in this situation. It is unbelievable to me that they have hired a collection agency to call and text me about my payment that is past due that I don't believe I owe. This whole situation has not been handled well, I have been told different scenarios, escalate to people and nothing is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
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: Personal information incorrect

Complaint:
Equifax and XXXX received written notification with proof of identification that the address information needed to be updated but they did not update it. Twice i sent in requests that have not been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
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 XXXX  Accounts : - XXXX XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Contacted Credit Bureau with information requesting them to validate inaccurate information placed on my report. Information sent back was account was verified. I did not receive information with who verified the account information and how was it verified. I have sent in letters showing the court do not provide records to third parties. Has sent 3 letters to the credit bureaus with the same response back.

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 2022-05-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My account was paid in full. I called in advance to get the balance prior to paying it off. I paid the entire balance due as reported by their automated system.My credit report actually show a XXXX balance as of XXXX. There have been no subsequent charges on this account.I was charged a finance fee after the account was paid off. So in my opinion the company is not accurately providing the balance to the consumer. I have never had this happen before when paying off a credit card even when previously paying this one off. Furthermore they have started charging late fees. They are assessing fees on a fee. I was under the impression that fees were assessed on past due balance last not fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Made a purchase from another individual for tickets to a basketball game in exchange for {$250.00}, he said to send him the money via my bank ( JP Morgan Chase ) thru XXXX. Money was sent, seller didn't deliver the tickets and wouldn't return calls or texts. Seller 's name is XXXX XXXX based out of XXXX XXXX, phone number is XXXX. Email address is XXXX. Had friends call him as well to inquire about buying tickets from him and he tried to pull off the same scam with them. 

I contacted my bank JP Morgan Chase and they said they will investigate and possibly reimburse me, but it's not guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
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: Account status incorrect

Complaint:
I have spoken to XXXX XXXX XXXX numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This has been reported to trans union, XXXX, and XXXX XXXX different times. 

On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep screwing up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

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 explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2023-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is not mine they can not prof as mine .... so they do not show any date, information and validation for this account just that it posses a amount of {$980.00} ACCT XXXX-XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: FC HoldCo LLC
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: Investigation took more than 30 days

Complaint:
They have not responded in timely manner. They also are in violation under the FCRA for verifying this debt as mine without proper validation. They have not provided wet signature

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 2021-10-07
Company: Experian Information Solutions 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:
Account for XXXX was sold to XXXX XXXX XXXX and it was removed. Now in XXXX its been sold to another company and its back on my credit report. That account should be closed permanently.

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 2022-05-02
Company: EQUIFAX, INC.
State: MI
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 accounts listed below have violated my rights. Under XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. Under XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. Based on the above laws i am requesting the deletion of the following accounts that are showing in collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Went to Rent a House for my XXXX bday, found a person through XXXX and she talked me into sending her {$690.00} deposit via my bank site, When I logged into my bank site I was able to do a " XXXX '' bank transfer which I thought since it was my own bank site they would have my back. Long story short, the person that I sent the {$690.00} dollar deposit cancelled my reservation when I asked for more details less than 24-hrs later and did not give me a refund as she promised. Since then I have filed a complaint with my bank twice ( Chase ) and they said that all XXXX bank wires are non-refundable. I filed a police report with the XXXX County Sherrif 's office and they said this is a Civil Matter, I spoke with XXXX XXXX   and they did not care and then Finally I hired a Lawyer who sent three certified letters to who we " think '' this person is. The problem is the person I sent the money too I only got their phone # ( which was the # I used to direct deposit ) and her email address. My lawyer found the house I was " supposed '' to have rented and sent certified letters asking the person to give me my {$690.00} deposit back but they have fallen on deaf ears or they have been refused. The bank still does not care that I sent {$690.00} to someone and I received nothing in return. I was scammed and because it was through " XXXX '' I have no protection. The lawyer said we could file a Civil Suit which would be another XXXX dollars but the biggest problem is we do not know who the person is and if we try to serve them with a process server that will cost more money, and if they even show up for court is another story all together. I just want my {$690.00}, I have a lot of proof, including a lawyer who tried to help with a demand to give my money back. The thing is, they were going to give me my money back but started giving me " rules '' -- they wanted me to send a picture front and back of my license but I was uncomfortable with that. Another interesting note, the rental house is still active on the " XXXX XXXX '' rental site but the person changed the name from " XXXX '' to " XXXX '', again XXXX does not care and does not want to help. Please look into why XXXX is not protected and what you can do to help me recover my {$690.00} deposit that I Sent. I have all the proof that this money should be returned to me. 

Important Info : Person I spoke with said her name was " XXXX XXXX '', her phone # is XXXX and her email address is : Email : XXXX The house address I was supposed to rent, the lawyer found it as address : XXXX XXXX XXXX XXXX, FL XXXX which is owned by a XXXX XXXX XXXX which comes back with the owner : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX FL XXXX -- XXXX has not responded to certified letter or calling him once. XXXX XXXX is another name that came up as well with the original phone #. 

https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
There is a freeze on my credit report, for all five credit bureaus the following bureaus are listed : XXXX, XXXX XXXX, Transunion, XXXX, and 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