BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
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:
The Fair Credit Reporting Act was put in place to protect our consumer rights. Everything on our credit report must be 100 % accurate, verifiable and timely. I recently looked at my credit report and noticed several inaccuracies and multiple accounts reporting different information between the bureaus. This is a violation of my consumer rights and the following accounts should be deleted. 

XXXX. XXXXXXXX XXXX - ACCOUNT # XXXX XXXX. XXXX - ACCOUNT # XXXX 15 US Code - 2 - 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 US Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I was supposed to the rent paid by Money Gram in the month of XXXX 2015. The rent was late, and I contacted the renter, and she informed that she sent in by XXXX. She contacted Money Gram and they informed that the check was cashed by an unknown person that stole the check that was in the mail. She contacted the local police department. The check was CLEARLY adulterated and Money Gram cashed the check. Now, Money Gram refuse to refund the funds stolen, and is charging {$35.00} per page of the police report to open the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-17
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX 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 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 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  
XX/XX/2021 unathrozied inquires fruad

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: FIFTH THIRD 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: Information belongs to someone else

Complaint:
Called on XX/XX/2020 XXXX at 53 said I was in collection. Asked for supv. She left me holding another 40 minutes minutes total 1 hour 25 minutes. 53 refuses to send statements or process frauds and disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. 
You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. 
If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!

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 2022-05-05
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 is missing that should be on the report

Complaint:
I RESPECTFULLY REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN BEING AND NOT AN AUTOMATED SYSTEM. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2014 Credit Limit : {$5000.00} XXXX XXXX Account Number : XXXX is my oldest tradeline account with excellent payment history and, contributes positively to my average age of accounts. I never requested or consented for the removal of this account from any of my credit reports. Because the account was removed in error, it severely impacted the average age of my accounts. To help fix the problem, I submitted complaints to the credit bureaus to advise that the account number reported was not congruent throughout all three credit bureaus- XXXX, Equifax, and XXXX. XXXX reports the account number as XXXX, while both Equifax and XXXX report the account number as : XXXX. In addition, the payment history for this account was also reporting inaccurately, late payments. I was never late because I had a written agreement in place authorizing payments from my bank account. 

The response received from the credit bureaus after I submitted multiple complaints to them is that the account is not on my report and that they will send me a new credit report to reflect this update. THIS IS NOT MY REQUEST!!! I never requested or authorized anyone to remove the account from my credit report in the first place. Therefore, I demand for the account to continue reporting on XXXX, Equifax, and XXXX. 

Attached is documentation in support of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
MY NAME IS XXXX XXXX THE REF NUMBER IS XXXX BANKRUPTCY WAS XXXX DATE FILED XXXX XXXX 2007 WOULD LIKE REMOVED MY SS XXXX PHONE NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is once again reporting a derogatory public record, see attached credit report from XXXX/XXXX/2015. 
This was taken off all credit reports several months ago when I showed the lien release dated over 5 years previously, see attached lien release. When the account is accessed online, no derogatory information is listed. When my creditors get a copy of the credit report, the lien and collection reappear and the credit number thus suffers. The credit score thus suffers a XXXX plus point deterioration below the level of the other agencies, both of which do not show this lien. This is my XXXX time requesting Equifax take permanent action to remove incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

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 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 : It also states a 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 card account under an open end consumer credit plan as late for and purpose.

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 2015-11-16
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have taken out XXXX private student loans, which American Education Services ( AES ) bought out. I have been paying on these XXXX loans every month and I pay on time. My payments total XXXX and only XXXX ( ballpark ) goes towards the actual balance. Since XXXX a total of XXXX has gone towards my balance and the rest I was told went to interest. I called this company numerous times to get help from them regarding a payment plan and they are never any help. They say I used up my options. They are not very professional or friendly. The representatives are rude. They do not explain how the repayment plans work and they do n't notify the customer that they only get XXXX chances to change their repayment plan. I have done some research on this company and there are numerous bad reviews about the company, with many consumers complaining about the same problems. This company should be investigated and looked in to by someone, as I think they are ripping people off. I work very hard for my income and I pay faithfully to this loan and the balance is barely going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
The account in question has been paid and the debt settled prior to the purchase of my first home in XXXX. Since then this company has continued to file fraudulently on my credit report every few years demanding payment of this settled debt. Every time I have disputed this debt and it has been removed from my credit report. Now I am being contacted by a third party on behalf on HSBC bank attempting to sue for this settled debt from 17 years ago in XXXX ( date of when the account was closed ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without written instructions or consent. Provide proof of written consent to furnish this account per 15 U.S.C 1681 Section 604 A Section 2 or delete the account from the credit report.

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 2022-10-08
Company: EQUIFAX, INC.
State: CA
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 reviewed my credit report and noticed information that was incorrect with 2 of my accounts. According to XXXX, Equifax and XXXX I was late on these accounts, which is completely false, as I have already verified this information with the creditors. I proceeded with sending XXXX, Equifax and XXXX dispute letters outlining what was incorrect on my file. 

XXXX sent me a response to my dispute on XX/XX/2022 stating they did not understand the nature of my dispute, which I think is a stall tactic and violation of the FCRA, because I was very clear that I was disputing the status of my accounts, reflecting incorrect payment history. 

I have yet to receive a response from Equifax on their investigation results and it has now been over 30 days since I sent in my dispute letter. 

XXXX, Equifax and XXXX are both in direct violation of US Code 1681a Paragraph 2, which states " Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ''. 

And according to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CAN NOT! 

As an XXXX XXXX it is already hard to navigate the stigma within this country 's financial institutions and having erroneous information reporting on my credit profile just makes it so much difficult for me to be a able to provide a better quality of life for my family. 

Please help me correct this erroneous information!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Rocket Mortgage, LLC
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:
I spoke with Rocket Mortgage on Friday XX/XX/2022. I had received mailers and wanted to discuss their mortgage products as we were interested in refinancing in XXXX. I was asked if they could pull my credit, and immediately asked if this would be a hard credit check. No was the immediate answer. I was told it was a special mortgage check. Shortly after the call, my credit alert services all notified me that there was a hard credit check performed by RM. I escalated to XXXX XXXX who, after taking almost a full week to look into the situation, called me back and said there was nothing they could do. No explanation was offered, no recourse provided. During the six days I waited for a call back, I received multiple calls from Rocket regarding refinancing products and reiterated my complaint. I asked to further escalate and was told no, XXXX XXXX makes the decisions. RM used a deceptive tactic to pull my credit for a loan that we werent planning on even applying for until several months from now. On the initial call I even admit that I had plans to spend some time working on my credit score and paying down cards because we werent ready to apply yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank 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