BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-27
Company: Southwest Stage Funding
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I had damages to my home and my insurance co sent a check for the repairs but had my name and my mortgage company name ( XXXX XXXX XXXX ). The check was sent to mortgage company on XX/XX/XXXX. No one called me from the mortgage company until I heard from the contract and we reached out to the mortgage company on XX/XX/XXXX and was told to email the documents over. I called back the next day and was told they never got it and to fax it over er XXXX. Never heard anything back so I called on XX/XX/XXXX and spoke with XXXX and she said they never got the forms ( W9 and insurance estimates and apologize and asked that i fax it to her. She said that she would get the check escalated and overnighted to contracted on that Monday XX/XX/XXXX. I waited and waited and the contracted never got the check so I called today XX/XX/XXXX and spoke to XXXX and he said that no other calls have been recorded and the information that I faxed and emailed to get my check endorsed they have and now he is telling me that he has to start the process again. I am an elderly lady and this is killing my nerves. He is also telling me that I have to have an inspection that will take another week or 2 before they release the check. I need HELP. Please call me at XXXX. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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 XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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 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 2022-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-08-22
Company: HYUNDAI CAPITAL AMERICA
State: AL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Sent payoff via personal check to Kia Finance on XX/XX/XXXX. Payment was delivered to Kia 's lockbox on XX/XX/XXXX and check was negotiated on XX/XX/XXXX. 
Revived a letter from Kia on XXXX saying turn-in of car was late. I called and spoke to XXXX that afternoon. Spoke further to another rep and went through gross detail on payment. Provided a picture copy of check via upload. on XX/XX/XXXX got a call from XXXX at XXXX. She asked for an official copy and asked to send to XXXX ( rediculously long email address and just asks for a mistake in typing ). I sent the following day ; assumed that with no kick back email it must have landed correctly. Monitored my account and expected some communication. With none forthcoming, I emailed the same email address on Monday XX/XX/XXXX and continued to send each day through XX/XX/XXXX and again on Monday XX/XX/XXXX. 
After no communication I checked my account on website : a new collections letter was generated on XX/XX/XXXX ; it stated that I had done nothing to communicate to the company. Called XX/XX/XXXX spoke to XXXX in collections; explained the problem she sent me to XXXX who asked me to re-send the check image and to upload to the system. There is not upload category for this on my account, so I uploaded the image to the payoff category. All interactions have been professional but the obvious lack of receipt controls is disturbing. The lack of follow up is disturbing. The company 's CPA firm needs to review the receipt function and research functions- there are swiss cheese holes here.

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 2022-09-21
Company: Credit Karma, LLC
State: FL
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: Didn't receive services that were advertised

Complaint:
On around XXXX to XXXX I saw alot of pre approvals on credit karma but credit karma sent me pre approvals telling me I could have these credit cards and personal loans and refinance my vehicle I would see this every time I logged in. 
I got so many offers I started telling everyone I would be applying and my approvals for so I finally I applied on around XXXX and I got denied for two credit cards and a personal loan I was very very disappointed credit karma told me for months I was approved this was a huge lie. I was so stressed out I had migraines and depressed. Now every time I see pre approvals I get sick I don't want to even use there app I get scared to even check check as I should

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates contacted me via mail regarding an alleged debt with no verification or proof of aforementioned debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am in the process of buying a house and I need this off of my credit reports, I have called Experian and its really hard to get someone on the phone. Please delete this : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS XXXX BE SUBMITTED IN MY NAME OR MY IDENTITY XXXX HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In the previous 3 to 12 months, I have disputed XXXX XXXX  through ALL 3 major credit reporting bureaus. Upon each investigation, the status of the above account remains " unchanged. '' XXXX XXXX put this account into collections and subsequently CLOSED this account. However, according to ALL 3 CREDIT REPORTING AGENCIES, this account is listed as an OPEN account. The XXXX account went delinquent when I became very ill, lost my job and became XXXX  from XX/XX/XXXX until XX/XX/XXXX. During these years, I was living in my car and/or family/friends or providing in-home care for the elderly. I had no viable means of income and this account went into default. 

As a result of XXXX XXXX  erroneously stating that this account is open, has caused me to pay extraordinarily high interest rates, and be denied for housing or paying an " extra deposit, '' to rent apartments. 

XXXX XXXX  has already benefited from this capital gains/loss via the INTERNAL REVENUE SERVICE by stating this account was closed and charged-off. Yet, they continue to report this account is " open. '' By their own admission, the above account is CLOSED. Please help me correct this inaccuracy. I have tried several times through the TransUnion, XXXX and XXXX to no avail. Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX, mobile XXXX or XXXX ( landline )

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 2023-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: IL
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 XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
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: Personal information incorrect

Complaint:
Hi, I reached out to Experian on XX/XX/20 and couldnt get my personal information corrected on my credit report. Im requesting the information on my credit report to be corrected the only name I should have is XXXX XXXX. 
Thanks

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 2022-07-28
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: Information is missing that should be on the report

Complaint:
I received a copy of my credit report, to my surprise the bureaus are reporting the account # XXXX INACCURATELY. 

This collection account is reporting not only as OPEN but also shows a INCORRECT balance of across the three bureaus. XXXX has correctly deleted the aaccount at my request, XXXX and Equifax have not and are reporting inaccurate information. Equifax shows a balance of {$1900.00} and XXXX shows {$1900.00}. 

Also, not only are both XXXX and Equifax still reporting inaccurate and incorrect information that XXXX has already rightfully removed, but they show inaccurate date of last activity. XXXX reports XX/XX/2022, Equifax reports XX/XX/2022. 

Also, XXXX and Equifax both inaccurately report the number of closed accounts. They both report one, while XXXX correctly reports XXXX. The number of derogatory accounts id also inconsistent across the three bureaus. XXXX correctly reports XXXX, while XXXX and Equifax report XXXX. 

According to the FCRA, I have the right to an accurate credit report. It also states that reporting this harmful inaccurate information can allow me to sue for damages. 

Please Delete this account ( XXXX ) immediately from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion, ( Account Name : XXXX XXXX XXXX XXXX  ) ( Account Number # XXXX ) Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy, completeness, and deletion of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had called the bank 's customer service 2 to 3 times last week to close a 12 month CD of my. The reason is very simple, I was forced to transfer the account over by XXXX and the APY is quite low. Their customer service first informed me that I can't transfer savings directly online and then said they can close the CD ( no fees ) and mail the checks to me. They said they need customer service to contact me again by phone to confirm. This process is ridiculous and the customer service is not professional. I waited for their calls for 1 week and did not receive a call from them until today!

So I was forced to file a complaint against the bank and ask for assistance in resolving the issue as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In XX/XX/2022, I submitted letters to each credit bureaus, Experian, XXXX, XXXX stating that there were accounts/items on my credit report and that I was a victim of Identity Theft. I explained that there are accounts on my credit report that were not authorized by me. On XX/XX/2022, we sent letter certified to each credit bureaus, Experian, XXXX, XXXX stating the same thing again. In all the case that we sent letters to all three credit bureaus they came back validated. I have sent out copies of the police report that was filed with the state police corporation. I submitted all the documents request from the credit bureaus and still nothing.

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 2022-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
Good morning, I reviewed my credit reports through XXXX, XXXX and XXXX and noticed several fraudulent accounts opened in my name without my permission. I am victim of identity and I did not benefit from any goods or services of these fraudulent accounts. 

I am requesting for your company to remove and delete these fraudulent accounts immediately and report these deletions to all three major credit reporting agencies immediately. I have attached a copy of my FTC report and police report to this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: FORD MOTOR CREDIT CO.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporter act XXXX  account number XXXX of XXXX XXXX XXXX Has violated my rights ( 15 US Code 1681 section 602 ( 8 ) states I have the right to privacy And 15 US Code 1681 604a section 2 states a reporting agency can NOT furnish my information without my written consent. XXXX XXXX was put on notice that I do not nor does my co-signor XXXX XXXX wish for our information be reported and has not given written consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Kelsting Group, 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:
On XX/XX/2016 PACIFIC CREDIT SERVICE added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and charged off and i am no longer responsible for the account. debtor creditor did not verify this account. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA PACIFIC CREDIT SERVICE has violated my rights as a consumer and i'm requesting legal action to remove this account immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
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:
This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}, and XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX : {$420.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
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: Old information reappears or never goes away

Complaint:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : PLEASE SEE SCREEN SHOT

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