BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
1. I just tried filing a dispute online with Equifax it asked me there for verification questions and they found my credit file. I wanted to get some other information from my credit report and came back and the session had timed out, so I went through the dispute process again from the beginning and asked me for new verification questions and I 've had the same problem in the past and asks me questions that have nothing to do with my credit history so I answer the appropriate answer none of the above. and keep getting the same response we can not verify your identity please fax your dispute. There is something wrong with their verification process! I am tired of having to fax the disputes in at my expense and inconvenience. 
2. My XXXX credit card is reporting on Equifax a showing a balance of approximately {$270.00}, that amount is incorrect! My wallet was stolen on XX/XX/2016 and I have reported that to all the credit bureaus. The perpetrator charged {$270.00} on this card, I did not! however, to avoid any impact on my credit score, I immediately disputed it with my credit card company and made a {$200.00} payment on The date of my attached evidence approx XX/XX/2016. The current balance is {$30.00}!! 
3. The reported date of my last payment on Equifax is incorrect! It shows XXXX XXXX I have made XXXX payments between XXXX XXXX and XXXX XXXX!! and the aqua fax report showed it was updated XXXX XXXX! The other XXXX reporting agencies are accurate! I am consistently having a problem with Equifax!! I need relief! 
4. The high credit of {$300.00} on this card is also incorrect!! 

I hereby seek the CFPB and the FTC to organize a thorough investigation into these matters. I am a XXXX veteran and I have spent hundreds of hours trying to resolve various issues with only Equifax since XX/XX/XXXX. It has exasperated me! my credit score is consistently lower and been lowered with each error that Equifax makes on reporting my credit information! I do not have the time, energy, resources due to my health condition to continue to fight for my rights. Please I humbly seek assistance beyond the complaint process. It has not worked for over 10 months in any of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
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 fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 fair credit reporting act XXXX XXXX Account # Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: WESTERN UNION COMPANY, THE
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had posted an ad looking for XXXX tickets to a concert. I was contacted by someone named XXXX XXXX who had provided me pictures of the tickets and had agreed to send them via fed ex. They required me to send the money via western union in XXXX. I had sent the money and then they stopped responding to my texts. The money was picked up before I could cancel the transaction and the receiver no longer answers my calls or texts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm being contacted by email repeatedly by a company called True Accord. I've made it clear they have the wrong person and they will not stop emailing me after I've asked via email and unsubscribed from communication. 


The information is below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Social Finance, Inc.
State: GA
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:
On XX/XX/XXXX, I sent a letter to XXXX to dispute an account no longer owned by the company who is reporting the account incorrectly. The company XXXX XXXX no longer has the account and I have proof that the account has been sold to another company and I am in contact with that company to verify the debt. Both XXXX and XXXX have deleted this collection since it wasn't verifiable but XXXX has continued to show the date as " UPDATED '' and " VERIFIED. 

I have disputed, requested their method of verification and XXXX continues to report this account as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Consumer Reporting act XXXX allege account # 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
XXXX XXXX XXXX  {$0.00}

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 2016-09-02
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern. 

I applied for my townhouse refinancing to Freedom Mortgage Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Initially, we talked, and I clearly stated, that my gross income was around {$45000.00} yearly. According to market estimate, my house worth {$170000.00} and refinancing amount would be {$130000.00}. I 've bought this house in XXXX 2009. 
The person, who I spoke to, said that it 's kinda tight, but after checking on my credit score, he said that they could do it, and took my application over the phone. He was some kind of supervisor there, and later transferred my application to one of the loan officers XXXX XXXX. 

I received electronic package, signed all documents, tho some was not exactly correct, but he said, that we could change it later. I 've also supplied 2 years of tax returns, bank statements, and all the other required documents. At the end of that day, I got a call from him, and he said, that my application was denied cause my income is not {$45000.00} but {$30000.00}. {$30000.00} was not my gross income but adjusted gross income, meaning after personal deduction, and IRA contribution. I pointed to that fact to him, but got borderline rude response. After that I emailed him, and asked for that explanation in writing, but got no response. 

About 2 weeks later, i 've got a letter from Freedom mortgage Corp where no reason for denial was stated, it also did n't say anything about where they obtained my credit information. 
What was in that very strange letter ; - Withdrawn. WE HAVE ACKNOWLEDGED YOUR WITHDRAWAL REQUEST!!! 
I did not request anything! 

I 've called them following that letter, and got the promise to call me back, and resolve the issue. One week later ... I got nothing! 

I also going to file a complain with the XXXX, cause i do not believe such a practice deserve an XXXX rating.

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 2022-02-27
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Credit Control Corporation committed Fraud on my consumer report. I did not consent benefit nor authorize the collection on my report. According to the FDCPA 15 USC 1681 ( b ) ( a ) ( 2 ), A consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I demand Credit Control Corporation remove immediately.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: EQUIFAX, 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: Account status incorrect

Complaint:
PURSUANT TO 15 USC 1681a ( 1 ) which states that THE CONSUMER HAS A RIGHT TO FAIR AND ACCURATE RECORDING. EQUIFAX, XXXX and XXXX ARE XXXX VIOLATING MY CONSUMER RIGHTS AS THE NATURAL PERSON, CONSUMER AND CREDITOR BY NOT REMOVING ALL DEROGATORY/NEGATIVE REPORTING ITEMS THAT I DID NOT GIVE MY WRITTEN CONSENT PURSUANT TO 15 USC 1681b . THIS ELABORATE MECHANISM CALLED E-OSCAR, A NON-HUMAN AUTOMATED DEVICE HAS TAKEN THE HUMAN ELEMNT AWAY FROM BINDING FACTS AND PLACES MYSELF THE CONSUMER, CREDITOR AND NATURAL PERSON AT A HUGE DISADVANTAGE. THE HISTORY PORTIONS OF MY CREDIT REPORT HAS NOT BEEN UPDATED CORRECTLY..THEIR SHOULD BE NO RED X MARKS ON MY HISTORY SECTION.. CORRECT YOUR INACCURACIES OR I WILL NO LONGER EXTEND MY CREDIT TO ANYONE AND I WILL NO LONGER DO BUSINESS WITH YOUR AGENCIES AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We bought our house in XXXX XXXX. Our loan was with Freedom Mortgage. They offered us a lower interest rate, we closed with the new loan in XXXX. The did n't calculate the escrow correctly from one loan to the other. But, we had XXXX in our escrow account before the refinance. Now, they have tacked on extra escrow to XXXX because we did n't have enough in our escrow account to cover taxes and insurance. I thought that either they had to roll the XXXX over, or we were supposed to receive a check within 30 days. It did n't roll over and we did n't receive a check. We have reached out to them several times, phone calls and emails. One person said that they used the money to pay unpaid principal for XXXX XXXX payment?? The gentleman that told us that said he would have a supervisor contact us within 25 hours ( that would have been Saturday ) have n't heard a word. First contact was Friday XXXX XXXX, XXXX. We are very frustrated, because now we are expected to pay an additional XXXX a month, when we paid the money in XXXX. We should n't have to pay for their mistakes!

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 2022-02-27
Company: Paramount GR Holdings, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A finance company called Goodleap is financing a XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX. The initial finance company was XXXX and Goodleap bought them out and assumed the XXXX XXXX. XXXX is a scam and is ripping customers off. There is a XXXX  page XXXX XXXX class action lawsuit where you can view all of the complaints and class action lawsuits filed agains XXXX. XXXX has installed systems that do not work, fail and botched installs. They didn't contact my electric company even thought they claimed they did. My install was botched and is still not working. They have been out 4 times to fix it and it still is not fixed. I requested the system be removed and due to all of the complaints I have seen I do not want to deal with the problems their systems have. They are not taking care of the problems and is a constant issue I will not deal with. I requested Goodleap cancel my load because I was not going to pay for a system that does not work. To offer a compromise I suggested they send the loan money to me and I will pay them back if they were not willing to cancel my loan. They have threatened to put a lien on my property. The only lien they have rights to, according to the salesman that sold me they XXXX system is a mechanical lien. Goodleap is harassing me by calling me non-stop and sending me a bill with interest that is accruing. Goodleap, formerly LoanPal, needs to be held accountable for being affiliated with the XXXX companies bad business practices. The loan was signed in XX/XX/2021. The install was done about a month later. I can get exact dates for you. The sales person XXXX XXXX is claiming he didn't know XXXX was a scam and is trying to help people recover from XXXX scams on his customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2017-10-15
Company: WELLS FARGO & COMPANY
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:
XX/XX/2017 Hard Inquiry report do not recall this inquiry please remove

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 2016-07-14
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Optimum Outcome to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech arbitrarily decided I had no homeowners ins. and added {$920.00} to my loan to acquire said ins. for me. I had homeowners ins. the whole time and sent several faxes to Ditech with proof. This added monies to my loan increased my house payment {$140.00} per month. I have called Ditech continuously with no results. I have paid the increased for 2 months now with the understanding that Ditech will report a late payment. I 'm given incorrect information continuously and assurances that they are " fixing the issue ''. To date Ditech as only called me back once, to ask me to pay my house payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2022, I disputed three collection accounts being furnished to my credit report by Transunion. Only one of the collection accounts from the same company has been deleted. I am requesting that the other two collections being reported, be deleted and blocked immediately. The name of the accounts are XXXX and XXXX. The disputes were completed on XXXX XXXX. Please see the attached documents.

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 2022-02-27
Company: CITIBANK, N.A.
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My last statement balance was {$370.00}. Best Buy/Citbank is showin a last payment on XX/XX/XXXX. They are showing a last payment made on XX/XX/XXXX. Yet I have made 3 subsequent payment after receiving harassing emails and phone calls. You can see from the attached that I made XXXX subsequent payments and am now overpaid by about {$500.00}. I also se that the money has been paid to Best Buy from my XXXX XXXX bank account. I am currently applying for a mortgage, and while Best Buy can see the payments, they can not explain the credits have not been applied to my balance. This is their error not mine, and I've overpaid by {$500.00} due to constant threats and badgering. What has me most concerned is that when I call customer service, they can see the payments, but can not do anything to stop reporting to credit reporting agencies. I want this issue resolved, a credit for my overpayments, and any progress with credit reporting agencies stopped.

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