BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax continues to report to the credit grantors that I was three months late at one time on my car loan. This is incorrect and false reporting. If I am two months late XXXX will re-possess the vehicle. So this is wrong and they continue to report it. They are also reporting wrong information about XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 a debt on my credit report from walmart XXXX bank that is supposed to be showing as a XXXX balance past due and it is not. Furthermore in Oregon the statue of limitations is 6 years. It is past 6 years and this account is still reflecting negatively on my credit report from Walmart/XXXX  bank . I need this account removed asap as I am no longer legally responsible for it. The credit reporting agencies are not disputing this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: FIFTH THIRD FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( 5/3 BANK NA ; XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ) has led me to believe I may be a victim of identity theft, as I did not approve any info to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Freedom Mortgage. I started making bi-weekly payments for a year and almost every payment is misapplied charging me double finance charge on almost every single payment. I have spoken to them on numerous occasions and almost takes an act of Congress to get them to apply the payments properly, sometimes having to follow up 2 or 3 times until the payments are properly applied. If this is happening to me, I know its also happening to anyone else who is making bi-weekly payments. I even asked for an audit of my loan and all to no avail. They even refused to allow me to speak to anyone in the payment processing department. I have spoken to customer service manager and still get nowhere and they cant even offer me any solution to their inability to properly apply payments. Freedom Mortgage is stealing finance charges from unsuspecting customers and this must stop. They are violating the law and refuse to do anything about it. All their loans should be audited by Federal Auditors to verify compliance. Thank You for your assistance

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 2022-07-05
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:
I did not consent to the following inquiries listed on this report, nor did i benefit from them, please block and remove them please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: PA
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 US DEPT ED 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 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filing this report today XX/XX/20 because unfortunately, someone opened a few accounts in my name without my permission. I have no idea who that person is or how she/he got my personal information. The only reason I noticed these unauthorized accounts until today is because I applied for a loan and I was denied due to those accounts being in negative standing. I did not open those accounts and I do not have any written/verbal contract with those companies nor have I ever allowed them to run or access my credit information. I did not get anything as a result of those accounts being open in my name such as money, goods, services or any other benefit and I have already filed a police 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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX 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 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 2021-05-19
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3900.00}, {$6800.00}, {$3500.00}, {$6200.00}, {$14000.00}, {$20000.00}, {$3100.00}, {$7500.00}, {$0.00}, {$11000.00}, {$12000.00}, {$14000.00}, {$0.00}, {$1600.00}, {$1300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

7. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

9. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

11. XXXXK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

13. XXXX XXXX XXXX  XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

14XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNT 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 disputed two items that was found on my credit report that were fraudulent with transunion 1 ) XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. transunion said the items were verified. but i called each creditor and they no information on me with those accounts and also when i disputed these items i sent in police report with dispute but they claim they didnt get police report but it was all sent certified mail with disputes

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 2020-04-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9900.00}, {$10000.00}, {$9300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9900.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account.

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 2015-07-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I miscalculated and my account went overdrawn. Based on posted debits, only XXXX debit caused the account to go overdrawn. However, I was charged for XXXX overdrafts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My ex husband bought a home in XXXX of 2013, using his VA loan. The bank he went through is called Freedom Mortgage. This house was bought in New York. I noticed the house has been put on my credit. I was no where on the loan agreement.

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 2021-08-23
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection appeared on my credit fir the third time same company but instead of LLC at the end of their name. This debt was removed because they violated HIPPA but they keep continuing putting it on my credit. I am filing lawsuit against this company because this is the third time I have complained about them putting this collection on my credit dropping my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
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: Was not notified of investigation status or results

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX  and TransUnion are reporting I have a tax lien reported by the XXXX XXXX County Recorder. The County Recorder DOES NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.

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 2022-03-16
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Our loan was sold from XXXX XXXX to Mr. Cooper. We were told to continue paying XXXX XXXX. We have never been late on our mortgage payments and have always been on time for four years. But when our loan was sold to Mr. Cooper it has been a disaster. We sent our mortgage payment into XXXX as usual for the month of XXXX, either at the end of XXXX of XXXX we were notified to start paying Mr. Cooper so we sent them a check at the beginning of the month which was XX/XX/XXXX. But now Mr. Cooper says we never sent the payment in XXXX ( which we weren't notified about and already sent a payment to XXXX ) so now Mr. Cooper is claiming we're in default!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX  sold their accounts to Citizens and the transition is supposedly in progress. I had an XXXX XXXX account and tried to enroll in Citizens ' online banking on XX/XX/XXXX in the morning. 

The system did not recognize either my SSN, or my XXXX account number. 

I tried to call the online support line at XXXX. After being barraged with irrelevant messages, the hold time was disclosed as over 60 minutes. 

I tried to enroll again at XXXX. The system did not recognize either my SSN, or my XXXX account number. Contacted tech support. After being forced to listen to useless drivel for XXXX minutes, the hold time was disclosed as " over XXXX minutes ''. 

I tried to enroll again at XXXX on XX/XX/XXXX. The System did not recognize either my SSN, or my XXXX account number, or the XXXX account number. 

Evidently, Citizens has failed to manage the acquisition competently or diligently and as a result I have lost access to my funds ( I don't have a check book for this account, nor did I get sent one from Citizens ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have judgements on my equifax credit report that should never have been reported. These items were paid in full. I am still a resident at the apartment complex. I would to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Collection Services, Inc.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I received a phone call from a " collection agency '' who claimed I still owed a debt to XXXX XXXX XXXX XXXX in excess of $ XXXX. That debt was dismissed in bankruptcy over 30 years ago and the credit union no longer exists. They wanted me to send some money to them and they would make the debt disappear. The phone number they use is XXXX XXXX XXXX. They had called several times a week or XXXX earlier This is an obvious scam. You have the expertise to look up their number, find out who and where they are, and do something about it. If you do not want to do anything about it, tell me who they are and where they are and I will handle it myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
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 and Account # XXXXhas violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 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 2022-02-24
Company: EQUIFAX, INC.
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 and Account # XXXXhas violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank improperly debited my daughter 's virtual wallet bank account a $ XXXX monthly service charge for the months of XXXX and XXXX 2016, for a total of {$50.00}. PNC states the reason for the $ XXXX monthly service charge was that the " spend '' portion of her performance select virtual wallet account contained less than {$5000.00}. Importantly, my daughter 's entire virtual wallet account, including the " spend '', " reserve '', and " growth '' portions of the account, totaled at least {$11000.00} during XXXX and XXXX 2016. PNC 's own " Consumer Schedule of Service Charges and Fees '' dated XXXX XXXX, 2016 and available online at the PNC website, states, for the performance select account, " No Monthly Service Charge if you meet any one of the following : " {$5000.00} combined average monthly balance in this and up to XXXX additional linked PNC consumer checking accounts... '' Because the account had a combined average monthly balance of at least {$11000.00} ( more than twice the {$5000.00} requirement ), PNC 's rule is that there is no monthly service fee. Additionally, I maintain a linked PNC consumer checking account that would combine and add even more to the total. The XXXX and XXXX 2016 monthly service fees totaling {$50.00} are improper under PNC 's own Consumer Schedule and must be refunded to my daughter 's account. PNC is charging consumer account fees without notice and providing consumers with false Schedule of Service Charges. Despite increasingly escalated requests, PNC has refused to return the {$50.00} to my daughter 's account and has stopped returning my telephone and email inquiries.

Company response to consumer: Closed with monetary relief