BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: V and H Portfolio
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After requesting a copy of my credit report, I found this account from a third party they said stated over the phone, ( Vance & Huffman LLC Partial Acct # XXXX ), about me owing {$340.00}, for which I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage payments to a servicing company on a monthly ACH. Beginning in XXXX through XXXX, my payment was being withdrawn from my account, but not being applied to my mortgage. They were being put into an account, " unapplied funds ''. I found out because when I noticed my XXXX payment had not been deducted from my bank account by the specified date, I called customer service. It was then that I found out that there was over {$5000.00}. in this " unapplied funds '' account. By now they were saying I was delinquent on my loan. I have all of the ID numbers on my bank statements to prove the funds had been removed. 
The amount of the unapplied funds was {$7000.00}. It has finally been updated, but even after it was properly applied, I received a statement dated XX/XX/2022 stating I was 133 days delinquent. 

Not only did they not apply my mortgage payments, but in XXXX, XXXX, I paid {$500.00}. towards escrow. It had been applied to the mortgage, and it took me a few months to get that sorted even though I wrote " escrow only '' on my check which was attached to a payment coupon from the company that said " escrow payment ''. I got that sorted in XXXX and it was not applied to my escrow until XXXX, and I see no acknowledgement on my statements or any other correspondence, just what the customer service rep told me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: AR
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:
Hard inquiries by XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Security Credit Services, LLC
State: VA
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, SECURITY CREDIT SERVICE XXXX # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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 the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2022-09-26
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 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. can you help with it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: CA
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 this Account has violated my federally consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX XXXX  : account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 1681s -2 ( 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, 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:
my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from XXXX XXXX that support my dispute for removal and compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Commercial Acceptance 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
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: Information belongs to someone else

Complaint:
I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Credit Karma, LLC
State: CA
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:
Credit Karma kept suggesting that I should apply for a low interest credit card which would improve my credit score and help me save money on existing balances. Credit Karma also suggested multiple credit cards to apply for with outstanding and very good approval odds. They have obviously tricked me into applying for one of these cards. Thanks to their misleading wrong information I was denied credit and I now have one more hard inquiry on my credit report. They're nothing but a bunch of thieves playing games with people 's credit worthiness. I wouldn't be surprised if they have a very profitable deal worked out with these banks to get us to apply for their cards by lying to us. The hard inquiry caused by their fake information should be removed from my credit report. I'm sure I'm not the first or last victim to this scam. It needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I reported fraudulent activity on my debit card immediately after noticing the unauthorized transactions. ( Someone activated my card and starting using it, I never received it ) Way2Go sent me out a new debit card and never investigated the fraudulent activity. They were supposed to do an investigation and refund me my money that was stolen from my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
I do not have an account with this company : XXXX XXXX XXXX XXXX. I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I sold my house on XX/XX/2022 and the payoff amount of {$160000.00} was sent to Arvest Central Mortgage Company. Subsequently, this loan mortgage servicer sold my loan to another servicer XXXX XXXX instead of closing the loan and I am having difficulty with this new mortgage loan servicer to acknowledged payment and close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: OH
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:
Im 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 Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

US DEPT ED Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 Section 2 : Its Also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2022-08-23
Company: Experian Information Solutions 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:
This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/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 non-monetary relief
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I first contacted Equifax approximately 2 months ago because I was told by a mortgage company that I needed to unfreeze my Equifax report. I tried to register for an online Equifax account but every time I did, I got a message stating I needed to call Equifax. I was told the first time that my account was not frozen and I should try again to register. I tried again and got the same message. I called back and got someone who spoke very poor XXXX. I asked to be transferred to the XXXX but she refused. I have called Equifax 8 times. The XXXX time I called I was told that my name was misspelled and thats why my account was frozen. I was told to fax a copy of my Social Security card and driver license so they could fix it. I was not comfortable doing this but I was told they wouldnt fix it if I didnt. I faxed the information on XX/XX/22. I called Equifax on XX/XX/22 and I was told the fax hadnt been received, even though I had conformation that it had been. I again asked to be transferred to the XXXX and I was told they dont do that. The representative told me she would correct the spelling of my name and I could check that evening and unfreeze my account, she gave me a conformation number. I checked that evening and I still couldnt register for an account. I called Equifax back on XX/XX/22 and and gave the representative the conformation number, but there was no such number in their system. Again I asked to be transferred to the the XXXX and again they refused. I asked for a supervisor and he told me he would escalate this to their tech department, but there was no time frame for when it might be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: ID Analytics, Inc.
State: PA
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:
I have previous submitted a dispute to these companies in effort to resolve this matter. I have previous submitted a dispute asking this company for a investigation. I filed a police report, FTC REPORT and identity theft affidavit a obtain a lawyer and this matter is in litigation which this company is violating my rights by attaching this account to my file into the matter is resolved in court. This company said this account is not on my credit file I have proof from this company that I have attached the credit report directly from XXXX stream and XXXX. Please hold this company accountable for inserting a account on my credit file without accurate information and not following fair credit reporting act 605 when a investigation is in litigations. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, All Accounts listed above have violated my rights according to law 15 USC 1681 section 602 ( A ) states I have the right to privacy.

15 USC 1681 section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters and called all three-credit bureau 's on XX/XX/2022 and they have not removed these incorrect notations. According to, 15 USC 1681. I did not give no one written consent to furnish anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Since XX/XX/XXXX, I have been working with the creditor Kohl 's regarding account XXXX. The credit grantor has changed he account status to OPEN when it was CHARGED OFF XX/XX/XXXX, and continues to report the account derogatory. I have sent the bureaus and the creditor certified letters and have been utilizing credit repair agency XXXX XXXX for additional assistance. Due to the erroneous and conflicting information, I request that this account be DELETED under the provisions below : 15 U.S.C 1681 Section 602A : states I have a right to privacy.

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions.

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: WELLS FARGO & COMPANY
State: IL
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/22 I obtained my credit report from XXXX  I noticed that there are XXXX fradualent inquiries on my credit report. I contacted XXXX to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.

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