BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
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: 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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX XXXX XXXX-Balance {$0.00} XXXX  XXXX-Balance {$1400.00} XXXX XXXX XXXX-Balance {$2100.00} XXXX-Balance {$780.00} XXXX-Balance {$1700.00} XXXX-Balance {$1100.00} XXXXBalance {$1200.00} XXXX-Balance {$1700.00} XXXXBalance {$1700.00} XXXXBalance {$810.00} XXXX XXXXXXXX-Balance {$340.00} XXXX  XXXXBalance {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Quicken loans increases our payment each and every year even if there is not an escrow shortage. Even when they give a refund of escrow overage - they will increase the payment. I called last year and paid the shortage, plus an additional amount and they finally relented and left my payment the same. This year, I am getting a refund for the overage about {$700.00} and they are raising my payment by ~ {$30.00} and REFUSE to leave it the same. This mortgage company rates among the worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXXXXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith

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 2020-09-23
Company: Experian Information Solutions 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:
XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY 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 explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019, I placed an online order with XXXX XXXX ( XXXX ) ; 1 pair of shoes order no. XXXX, totaling {$220.00}. On XX/XX/2019, I called XXXX XXXX in regards to returning the shoes in return XXXX provided me with a smart label via email, in which I used to returned that item which resulted with a XXXX balance as everything was returned within the same billing period. 

I requested that XXXX cease and desist communication with me, the unwanted numerous phone calls, the badgering voice messages, in relation to this and all other alleged debts XXXX claim I owe. XXXX company provided me with a returned shipping label on the day of, XX/XX/2019, I went to the United States Postal Services to returned the item utilizing tracking number XXXX. 

On XX/XX/2019, I called XXXX and spoke with representative, XXXX. I explained to the XXXX that Ive called the week prior explaining everything I stated during XX/XX/XXXX telephone call ( i.e. all items were returned ). XXXX stated all late fees would be removed and stated he was sending information to the credit bureau. Again, I was asked if I could make a payment, in return I asked why did I need to make a payment when every that I order was returned. Once again, I repeated myself informing XXXX that all items were indeed returned.This item XXXX is inaccurate because this account should not be listed as 1-3 times late, 60 days or more late as Ive never once was late making a payment on this account. As I do not owe anything for this account since my balance is XXXX. 
Therefore I am requesting that XXXX XXXX negative item be removed to correct the information ; XXXX Balance.

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 2020-11-10
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:
My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered at XXXX XXXX that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services or other benefit as the results of the event described in this report. I never opened an account/or credit cards with XX/XX/XXXX XXXX XXXX OR XXXX XXXX. I already filed a police report with XXXX XXXX Police and its an ongoing investigation, no perpetrators have been found. Please delete these accounts that do not belong to me. I certify that, to the best of my knowledge and belief, all of the information on and attached to this complaint is true, correct and complete and made in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Experian Information Solutions 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:
Someone seems to have access to my personal information and is trying to ruin my credit. In XXXXXX/XX/XXXX, a debt from XXXX XXXX appeared on my credit with a balance of {$7900.00}. this debt has no account number, just a XXXX XXXX XXXX a phone number. I made several calls to them and have gotten nothing more than the classic run around. I have been unsuccessful in rectifying this problem. 

InXX/XX/XXXX, I was rerouted to a collection agency and spoke to a Mr. XXXX XXXX who informed me that I did not have an existing account with their agency and that whatever account it was is either closed or is not with their company. I recorded my conversation with Mr. XXXX XXXX since I kept getting the run around. I have his voice making the statement. 

Both companies are claiming to not have possession of this account so I don't know why it is on my credit report. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.

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 2019-05-16
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:
Equifax credit reporting agency, has violated my rights under the FCRA Section rule 611 ( a  ) ( 6 ) and ( 7 ) for investigating, communicating results and method of verification making them in violation of reporting information that according to the FCRA must be verifiable with the original creditor and any investigation name date and method of verification should be forwarded to myself for further investigation if necessary. I have requested this be looked into four times that last was on XX/XX/2019 and supporting documentation was also sent with the same results. I am a victim of Identity theft and have provided all supporting documents of such. All other reporting agencies have lawfully conducted themselves, yet suppervisors of this agencies have went as far as telling me constantly that it is not their responsibility to provide verification and that no such law requiring them to verify exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After calling in to make a payment and switch ACH checking account numbers someone failed to take the payment out of the right account then I became sick with XXXX  and was hospitalized which made my payment late apparently in my account was closed after being open for 8+ years being hospitalized with some thing I could not control my acct was closed for one late payment that would never have been late if someone did their job and drafted the correct acct

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 2017-11-16
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score. I 'm in the middle of financing and their frequent updates are detrimental to the process. I want my loans 7 years and older off my credit report because they are pass the statue of limitations for my state. I need this done ASAP, because XXXX reporting tactics or unethical.

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 2018-01-27
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is stating that I owe an apartment complex. I have never resided at this community or had utilities at this particular location. I have reached out to the property management company, which stated they had no record of a lease due to new ownership. I also attempted to dispute the claims but have failed. They just state I owe an outrageous amount and that it needs to be settled.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The organization kept on coy tellme that I need to pay them at a certain time when I finance could not this was 4+ years ago

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 2021-10-26
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports : 1. XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/2020 XXXX. XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company, Portfolio Recovery, has been calling my number for 6 months from different phone numbers on a daily basis. I know that it is this company because when I looked up the numbers on the XXXX app, it recognizes that the phone number listed is a " spoofed '' number. They are using phone numbers that have the same area code and prefix or using phone numbers that belong to different companies. On XX/XX/18, they called using the number ( XXXX ) XXXX which belongs to XXXX XXXX ; ( XXXX ) XXXX. In XXXX, they called using the following numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. In XXXX, ( XXXX ) XXXX. 

If I owe them, I have yet to receive a written correspondence via mail. I refuse to answer calls of numbers that I do not recognize due to the many phone scams that are currently being reported on the news and consumer reports sites. When they call, they never leave a message. According to the XXXX app, they several people have complained that they are spoofing numbers, calling people with debts that do not belong to the person called, rude representatives, and calling without leaving messages

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: Bread Financial Holdings, Inc.
State: OH
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 been with Victoria Secret for years. There is a negative remark on my report from a time I went into the store to make my payment, as I was cashing out. The clerk said her computers were messing up, but assured me it went through. I believed her. I just went to apply for a vehicle last week, and it's still there. I have called and talked to many supervisors and they said they can't help me. Look at my history with them, NO LATE PAYMENTS. This was not my fault

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am writing to file a compliant against PNC Bank PNC Bank Headquarters Corporate Office Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Pennsylvania XXXX United States XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX 

I am not liable for this bank fraud and I did not incur debt for XXXX that occurred on XX/XX/21. This is " Bank Fraud. '' I am not responsible for this debt. PNC failed to help me as I was told " I did not have anything to worry about. '' I later received a letter, stating the account was closed and that investigation was over, returning the cents that were in the account prior to fraud. I wrote a l letter of dispute to XXXX on XX/XX/21 asking for more validity, after receiving a letter 2 months later for debt collection that I did not occur ; after bank told me " I did not have anything to worry about. '' They responded with bank transactions, holding me still responsible. I did not incur this debt. I am seeking a lawyer for counsel for this bank fraud I am being held responsible for. I want to be extricated from this fraud and not be held responsible nor do I want it on my credit report that I worked so hard to keep in good standing. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This is my third attempt to resolve this issue. In the two previous attempts, the criminal company involved ( Wells Fargo ), who gets to investigate its own wrongdoing, gets bogged down in the details and ignores the heart of my complaint, probably because it doesn't want to admit my complaint points to a corporate culture of intimidating and bullying its customers. This corporate culture isn't just my opinion, a federal judge specifically called Wells Fargo 's behavior " highly reprehensible '' in her decision. So, Wells Fargo conveniently ignores the actual complaint and instead defends its corporate policy, which conflicts directly with federal law. 
The issue : A banker ( XXXX ) at the branch in XXXX, Virginia slandered me by calling me a criminal. In order to be a criminal, one must actually violate a law. I violated no law. I even checked with the Federal Reserve and confirmed my actions were in NO WAY a violation of any federal law. When I elevated the issue to the individual 's manager, he again called me a criminal and my actions a crime in front of his manager. In a subsequent meeting with just the manager, the manager denied the banker called me a criminal, but after me reminding him of the exact prior conversation the manager sheepishly conceded I was indeed falsely labeled a criminal. Despite this acknowledgment however, he refused to issue an apology for the slander. 
This behavior is a prime example of intimidating and bullying customers which Wells Fargo has a history of doing. I did nothing wrong or illegal ( per representatives at the Federal Reserve and law experts ), but Wells Fargo didn't like what I did, so its representatives tried to intimidate me by characterizing me as a criminal. The bluff failed when I offered to drive to the local police station with the banker and the manager to " turn myself in '' and allow them to collect some sort of " keep our streets safe award '', but they both claimed to be 'too busy to do that '. 
In short : I committed no crime and therefore am no criminal. Wells Fargo on the other hand has a huge corporate rap sheet and knows all about committing federal crimes.

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 2021-11-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had an interest bearing account and a non interest account. I had been paying {$250.00} a month on the special account, So when the interest account came on I sent {$350.00}. They applied all of the money on the interest account and nothing on the other account. When I inquired why. They said the government required them to do that. That would put my other account to go into default. So I sent {$1500.00} to pay both accounts in full. This was in XXXX, XXXX. The special account was requires to complete in XX/XX/XXXX.Well they paid the interest account in full. And there was a balance of {$680.00} more than enough to pay the special account before the XXXX end date. They applied this money to a new interest free account not due until XXXX. I am asking for help because the customer service sent me the rules they follow from the government. It states that the interest account must be paid first and then any monies left should be applied to the special account that is within two months of completion. The customer service Mgr. completed the fix and sent it to the next level. This must be someone in XXXX because they erased what the Mgr. did for me and made it worse. I need help. I can not call customer service ant more. I get XXXX who does not understand.

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 2021-10-26
Company: Radius Global Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I contacted Radius Collection Services on three occasions to work out a settlement they refused to take my money. In addtion, the previous person was not willing to assist me. I have contacted XXXX on the multiple occasions to work out the balance of $ XXXX {$620.00} NEGATIVE

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