BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-19
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 15 USC 1681. 

XXXX - XXXX : # XXXX, XXXXDEPT OF ED : # XXXX, XXXXDEPT OF ED : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ) XXXX # XXXX, XXXX XXXX ( ORIGINAL CREDITOR : 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 non-monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : *Collection : XXXX XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} MIDLANDFUN XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$730.00} XXXX XXXXXXXX Balance : {$9900.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as 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 explanation
Consumer complaint received 2023-10-26
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My accounts from Union Bank were improperly ported to US Bank when they purchased XXXX Bank. This was due to errors committed by US Bank, which they previously admitted to. 

An improper email account was associated with my business account and remains there. Multiple attempts to correct this by myself via the bank website have been unsuccessful.

I attempted to have the issue addressed by chat support via the website. The agent gave me conflicting information about whether they could solve the issue before disconnecting from the chat. Attempts to reach another agent by chat was unsuccessful.

Multiple attempts to have the issue addressed by phone support have been unsuccessful as wait times to speak to an agent appear to be about 25 minutes, according to their automated support system. 

I am unable to properly manage my business account because of the incorrect email address appearing in my account settings.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: NV
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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$9700.00} ; XXXX XXXXXX/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 2023-06-08
Company: CBC Companies, 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: Personal information incorrect

Complaint:
I have Expressed to XXXX, XXXX, and XXXX ( not yet Innovis, XXXX XXXX, XXXX XXXX ) on several occasions to remove certain addresses on my report but they have not. I was embarrassed to say the reason but, I have a stalker that has caused harm, and sent threats at my current addresses and previous address ( upon the new residents that stay there ). This person has gained access to my information some how and I am asking that you please remove all addresses from my report and replace it with the po box that I put in the following letters. I have labeled the letters for each company and each letter includes personally identifiable information. Please not that by law you may not furnish any information and or adverse information without my handwritten consent. -15 USC1681 ( b ) ( a2 ) -15 USC1681 ( g ) ( a ) ( 1 ) -15 USC1681 ( c ) ( a ) ( 5 ) Please view the letter which is addressed to your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the end of XX/XX/XXXX, XXXX XXXX transferred my mortgage to Bayview as my new mortgage servicer. On XX/XX/XXXX I received a Transfer of Service Notice from Bayview. 

I missed the XX/XX/XXXX mortgage payment and made a payment arrangement with XXXX to pay {$2400.00} per month from XX/XX/XXXX through XX/XX/XXXX. Please see attached XX/XX/XXXX letter from XXXX. It is my understanding that the payment arrangement that I made with XXXX would follow over to Bayview. I sent a copy of this letter to Bayview on XX/XX/XXXX. 

I have been paying a month behind because I only get paid once monthly at my job. By the month of XXXX I should be able to start paying within the month. For instance on XX/XX/XXXX I paid for the month of XXXX in the amount of {$2500.00}. I get paid next on XX/XX/XXXX and will pay the amount of {$2500.00}, which should be my last payment of {$2400.00}. I have notified Bayview of this.

Every statement I have received from Bayview has a different amount. I have called Bayview several times trying to straighten out my loan. Every person at Bayview that I spoke to has told me a different amount that we owe and a different story. Yesterday I received a notice on my house door to call Bayview.

I spoke to Bayview today and the woman I spoke to said that the payment arrangement was broken. I was never told that. Where is all the extra money I have been paying going to?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Approximately two weeks ago ( week of XX/XX/2020 I began receiving robo-calls from Midland Credit Management. They called several times throughout the day and evening, using many different telephone numbers ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX ). In picking up one of their calls on Wednesday, XX/XX/2020, I explained to the person that I had already made arrangements with XXXX XXXX XXXX about the balance and was paying them directly. The person became argumentative and I told them not to call me again and any questions should be directed to XXXX. However, the calls continue to come in no matter what I do on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2021-01-29
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I initiated my refinance in XXXX of 2020. Within a week of my initial application, I had provided you with all necessary documents. Yet, my loan didn't close until XXXX of 2020. In addition, you funded my loan. This lateness caused me to make an additional payment, the next day you finally closed my loan. If I wanted to pay an additional {$3600.00}, I could've put it on my loan and reduced my mortgage insurance. You were neglectful, your customer service was unsatisfactory, and my servicer was rarely available to answer my questions. 

Your representative XXXX XXXX  indicated that the mortgage that was paid the day before the loan finally funded would be returned to me. It has not yet. 

I received a response indicating that their was no record of me receiving advise to indicate that I would be refunded that mortgage payment. I've attached a copy of the response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUNION 'S duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 1 inaccurate late payment for the XXXX XXXXL account ending in XXXX. This include a 30 day late payment posted in XX/XX/2023. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2019-12-10
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Being a customer of First Bank of Puerto Rico for 17yrs I was hoping for a resolution to the issue that my family faced. Although the economy is bad in Puerto Rico, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XXXX of 2017, which further strained our finances. During all of this, we continued to communicate with First Bank of Puerto Rico, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted First Bank to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with First Bank, inquiring about any assistance due to the natural disaster and again we were told  that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to Florida to take a government job due to the struggling economy in Puerto Rico.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-04-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi I have issues with XXXX XXXX XXXXXXXX Citi Bank and XXXX i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to 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 2021-11-15
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was out of work in from XX/XX/XXXX until XX/XX/XXXX. I reached out to Carrington Mortgage ( the mortgage servicer ) to notify them of my circumstances. The representative told me that I should apply for loss mitigation. I submitted my documents, and I was told that they wouldn't report negatively on my credit report. After approval I made payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: DISCOVER BANK
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:
XXXX XXXX I have been dealing with acceptance now on a account that was not in contract but continues to report to my credit report as open and delinquent I have reached out to the district manager and higher and have not gotten the proof needed I get told off and talked to bad as of now the delinquent have hurt my credit score tremendously they have lied liked they call me and have not I am fed up with the treatment and my credit being damaged because the manager refuses to send me the letter stating this is closed

Company response to consumer: Closed with explanation