BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX : XXXX Creditor Name : EQUIFAX XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : XXXX Creditor Name : EQUIFAX MORTGAGE SERVI Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry Bureau : Equifax Creditor Name : XXXX Inquiry Date : XX/XX/2020 Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am working with an account manager, XXXX XXXX, with Fay servicing, and I have been unable to get the proper information about my modification request. The first time I applied, I was told the time had lapsed and I needed to reapply. The next time, I was told I was denied, but this was a verbal conversation, I asked XXXX XXXX if I was going to receive a letter, I was told yes. I never received any communication about the denial in writing until XX/XX/XXXX, which was approximately three weeks since that verbal conversation with XXXX XXXX. I also informed XXXX XXXX that my status had change in terms of income, and he told me they could add it later, nonetheless I was denied without requesting that I provide the additional income. However, I was sent another letter informing me to reapply for the third time for a loan mitigation assistance, which was dated XX/XX/XXXX, but postmarkedXX/XX/XXXX and I received it on XX/XX/XXXX. Attached are copies of the letters, thus the representative is extremely impotent towards me.
For that reason, I decided to work with a Hud counselor, XXXX XXXX, at Incharge Debt Solutions. On XX/XX/XXXX at XXXX, she contacted the lender on my behalf to get a clearer understanding about my loan. I was also on the call. The representative was again rude. XXXX XXXX had to tell XXXX XXXX that he was getting emotional about the questions. XXXX XXXX questioned why I was not told about the appeals process, and XXXX XXXX stated that he had never heard of the appeals process being successful. XXXX XXXX continued to interrupt him and correct him. I do not believe Fay Servicing is handling my loan appropriately. I am continuously told to reapply, and I am never receiving any written communication informing me of the status or my options except for the letter dated on XX/XX/XXXX that I received on the XX/XX/XXXX, which emphasized that we are eligible for a Fay Servicing Short Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX my husband and I placed all of our credit card debt with a settlement company, XXXX XXXX XXXX. They settled our credit cards one by one for lesser amounts, and we thought we were getting back on track. In XX/XX/XXXX, XXXX XXXX sued me for the amount owed, which was {$1500.00}. Without my presence in court, the Magistrate ruled against me and filed a judgment for the amount of the debt. I contacted XXXX XXXX, and they told me not to worry, they would take care of it. In XX/XX/XXXX, I received a e-mail from XXXX XXXX stating that XXXX XXXX offered to settle with them for {$1000.00}. I accepted the offer and told them use funds in my account to settle. I assumed that it was taken care of, until I received a letter on XX/XX/XXXX from a collection agency, XXXX, XXXX XXXX XXXX XXXX., XXXX saying that the account had been placed with them for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: Experian Information Solutions 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 account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX XXXX XXXX obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX XXXX XXXX  has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is 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 2022-07-14
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Equifax i have XXXX, XXXX, & XXXX also same companies are on my XXXX XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-09-07
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AFNI , Inc. ( XXXX XXXX XXXX XXXX ) has reported on my credit report that I owe {$250.00}. from a so called debt that I owe on a cell phone bill from XX/XX/XXXX. The date they have it as an " Open Account '' on my credit report is XX/XX/XXXX. I called XXXX XXXX XXXX back in XX/XX/XXXXwhen it was listed on my credit report and disputed that I owed them because I did n't. I paid my final bill with them when I left and moved my number and phone. ( They would n't even release my number if I had n't ). They told me that they would take care of the mistake that it was with collections. They gave me the number to the collections and I called and disputed it with them myself as well ( because I did n't trust XXXX XXXX XXXX to do it ). I was told they would research it and take care of it.
I pull up my credit report today ( XX/XX/XXXX ) and noticed that it is still on my report. I called AFNI, Inc today and spoke to XXXX XXXX employee number XXXX. He said that on XX/XX/XXXX that, " they received a message from their client XXXX XXXX XXXX that to hold off on reporting ''. ( which was pass the 30 day credit verification period and after I had called them to dispute the charges ). I asked him at that point what was the date that their client XXXX XXXX XXXX contacted AFNI and told them to move forward with reporting a collection to the credit bureau. He than stated, " well ANFI is a furnisher of credit ''. I said I never asked ANFI to furnish me with credit and the XXXX XXXX XXXX whom I did have credit with but that I do n't owe told you to hold off on reporting but you ca n't tell me a date when they contacted you to tell you to move forward with reporting. He then said that they ( AFNI ) reported to the agencies onXX/XX/XXXX. I said I do n't owe AFNI nor do I owe AFNI and you all have caused my credit score to be adversely affected by {$250.00} dollars yet have cost me probably thousands since I have had to pay higher interest rates due to this error. He said there is nothing he can due except file a dispute but I have no faith in that because he also told me that this was the first time that they have heard from me or anybody on my account and that simply is not true. I have called them complaining about this very issue before. Please help.
I have an audio recording of the entire conversation. It is too large to attach ( 27 MB ) as a file but here is the link. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The following information was put on my credit file, XXXX sent me an alert notification. 
I logged on to see the information and Online Information Services put this on my account which is out of XXXX I have never lived in XXXX The debt collector said I would have to contact ftc.gov and fill out fraud affidavit form and send over. 

This is not my debt and I never allowed anyone to use my social security number. 

Contact info Name ONLINE INFORMATION SER Address XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2022 Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: CAVALRY INVESTMENTS, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
PLEASE ADVISE THE STATUS OF MY COMPALINT ( XXXX ) FILED WITH CFPB ON XXXX XXXX, 2017!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Please help! I did not authorize transactions on PayPal. I contacted the company but I did not receive any money back. There are 2 amounts was unauthorized. One is {$450.00} to XXXX XXXX and another one is {$500.00} to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The wrong information was typed in on my 1040 form to the irs. The information entered was a routing number:XXXX ( a bank of a America routing number ) and account number  XXXX. The problem is that 2 numbers were omitted from the form. When I called the company the representative I talk to just said that it wouldnt go through but made no attempt to explain in accurate detail what was going i later learned later that day that the info he gave me on what would happen was incorrect. He didnt make an attempt to make sure that the payment was not going to go in a another persons account or see if Bank of America sent the payment back to the irs

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Well back in XX/XX/2015 I was working a full time job at a XXXX XXXX XXXX. I wanted to make extra money on the side so I did a job/project with someone that needed help so after I did the job/project he compensated me very well. So I went go deposit the check and it turns out it bounce. So I went to go talk to him but he was leaving and I didnt get to talk to him again. By this I was reported to suspected fraud activity. I recently found out after I try to apply again at a bank. I just want to clean all of this and I didnt know it was a bad check. I was XXXX at the time and it was a honest mistake by me and my knowledge towards banking was very minimal. I just want to get this off my record because I have a kid and I just want to start my life right. Thank you for your time

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 2022-07-14
Company: Experian Information Solutions 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : Convergent account XXXX BANK DELAWARE XXXX has violated my rights. 

XXXX  account XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX  XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX account XXXX XXXX XXXX XXXX has violated my rights. 

XXXX  account XXXX XXXX has violated my rights. 


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

15 USC 1681 Section 602 A also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( 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 USC 1681s-2 ( a ) ( 1 ) states 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 2020-02-14
Company: EQUIFAX, INC.
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXXXXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I disputed with  Trans Union  on  XXXX / XXXX /  XXXX   inquiries that were not authorized done by  XXXX   XXXX   (  whom agreed in a previous CFPB complaint to delete said entries )  Trans Union  responded on  XXXX / XXXX /  XXXX   only have deleted  XXXX  out of  XXXX  of the inquiries, even though I submitted evidence from the CFPB complaint including a letter by  XXXX   XXXX  indicating that ALL inquiries by them would be deleted. Attached is the  XXXX   XXXX  letter of delete and the deficient response letter from  Trans Union  that did not do what  XXXX   XXXX  indicated on their letter.

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 2022-07-14
Company: CCS Financial Services, Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I did not open ANY Account with ANY Collection agency but I have CCS Collection opened XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I sent Equifax, XXXX and XXXX letters disputing inaccurate information being furnished on my credit report. I sent in my identification as well, but the inaccurate accounts are still being furnished. I never gave Equifax, XXXX or XXXX consent to furnish this information which is a direct violation of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
Applied for a new Credit Card with XXXX XXXX ( XXXX XXXX XXXX . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card.
A letter was sent to me on XX/XX/XXXX Ref # XXXX stating I was approved the a " XXXX XXXX XXXX XXXX XXXX Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own.
Furthermore, the Equifax credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by XXXX XXXX  on XX/XX/XXXX Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades.
Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: U.S. BANCORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It's a spam email from US Bank advising me that I can refinance cheap. We have no interest, in a retirement community and own our home.

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