BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXXXXXX 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 XXXX 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 XXXX more than 21 times. XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance with the Golden 1 Credit Union Mortgage Dept from during the Pandemic and was approved for a deferment for the months of XX/XX/XXXX to XX/XX/XXXX ( which outstanding mortgage payments were pushed to the end of the loan ) and start fresh with regular mortgage payments in XX/XX/XXXX. I have made payments from XX/XX/XXXX through XX/XX/XXXX. Somehow my XXXX and XX/XX/XXXX payments were applied to the deferment and caused me to be behind again. I have made numerous calls to the Golden 1 CU Loss Mitigation Dept and they finally corrected the error in XX/XX/XXXX. However during these months my mortgage payments was misallocated since it was showing I was delinquent. The following are where my payments were applied to : XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX I have made 15 calls to the Golden 1 CU with no resolutions. Each time I call I get transferred from customer service dept to collections s dept and then to loss mitigation dept. Not one dept is willing to help me resolve this. Is as simple as movi g the oayments back to where it belo gs to but the whole organization do not have one single person or dept that can do that. Each phone call is approximately 2 hrs long as i am transferred and passed on to another dept each time. I spoke to several supervisors who said they will help me resolve this and reach out to the loss mitigation dept but never receive a call back. When I call to speak to the same supervisor I always get another supervisor and have to explain the situation again. Still with no resolutions. I am very stress and frustrated, therefore I reached out to our congressman XXXX XXXX who then provided your website to file a complaint. I have health issues and have been struggling to make my mortgage payments but tried my best to do so. I would push back other bills just to make sure mortgage payments are made. I have been working g part time only on reduced schedule due to health problems. And in XX/XX/XXXX I had XXXX and did not work nor made my mortgage payments for both XXXX and XX/XX/XXXX. I am afraid that I will lose my home and this is the only home I have to keep a shelter for my children. Please, please help me resolve this. 

Sincerely,

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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 reported on XX/XX/2022 to the Federal Trade Commission that my Identity was stolen by someone who opened a XXXX XXXX Checking Account and a XXXX credit card for {$1000.00}. I did NOT open either of those accounts and I was informed they were both opened on-line. My email was also used ; and that is how I learned about the Identity Theft with XXXX XXXX. I learned of the fraudulently opened XXXX account when XXXX sent me a letter demanding payment. I believed it was a scam at first ; when a second letter came, I reported to the FTC Identity Theft. On XX/XX/2022, with the help of the FTC, I changed passwords on all accounts, changed my email address, reported FRAUD to all three credit rating bureaus, placed FREEZE alerts on all three credit reporting agencies, sent a letter composed to XXXX and XXXX XXXX  to inform them of IDENITY THEFT and I contacted via telephone the involved companies as well. To this date, Transunion has REFUSED to remove the fraudulent account, it is now posted on my credit rating as being months behind, and my credit rating has dropped about XXXX  points, from high XXXX to XXXX. I have contacted TRANSUNION multiple times, have called them, and sent them every report they requested : the FTC report, the XXXX XXXXXXXX Police filing report ( case number ), and the information of the XXXX credit card that is Identity Theft. I have minimal credit cards, and they are ALWAYS PAID ON TIME. I have a mortgage that is NEVER LATE. That payment is well above the amount of the fraudulent XXXX credit card. I received a new letter from Transunion on XX/XX/2022, and again, they are refusing to remove the fraudulent XXXX account and my credit rating is negativity impacted MONTHLY. I was informed by XXXX that they are aware the credit card was opened fraudulently and through Identity Theft and I was told they would tell Transunion that, as Transunion informed me they were contacting XXXX to investigate. Yet, Transunion is refusing to remove the fraudulent account. I called the Federal Trade Commission again, today, XX/XX/XXXX, to report the letter from Transunion of XX/XX/XXXX and I was informed to contact the Consumer Financial Protection Bureau now.

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 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One secured credit card Made a payment of {$250.00} from my primary checking account on XX/XX/22. It was immediately taken from my account. I waited XXXX  days, called capital one & asked why it had not been applied, & I was told there was a waiting period because just weeks before that XXXX of my payments was returned >> I was told it had to be held for XXXX business days >> I called XXXX  days later, then I was told it would be available the next day. At that time, I asked to speak to a supervisor, w the same answer. I called the next day, was told XXXX more day, spoke to a supervisor again, was told I had to do a XXXX way bank call to verify ( which I did ) absolutely unacceptable! They basically had my money to use for their needs for over a week

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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:
I'm sending you this CFPB complaint right now to ask you to quickly delete the disputed bogus accounts and information from my credit file. Numerous illegal inquiries as well as some inaccurate account and information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC using File Numbers # XXXX and # XXXX. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Here is a list of accounts you ought to have deleted long ago : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. You have been saying that these accounts are mine, but you haven't sent me the proof you need to back up your assertions. The contested accounts should have been immediately deleted if these papers hadn't been provided.

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 2022-06-07
Company: United PanAm Financial Corp.
State: NY
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 United Auto Credit Co, has violated my rights.

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

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

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

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-08-22
Company: REGIONS FINANCIAL CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on a new home purchase in XX/XX/2022. The mortgage was through XXXX XXXX  ( the mortgage lending arm of XXXX XXXX ). The closing occurred successfully however my mortgage was subsequently transferred to Regions Bank. 
Regions Bank debited my checking account for my first month 's mortgage payment due XX/XX/2022. I then assumed auto-pay was successfully set up. 
In XXXX Regions called my on my cell phone and indicated my mortgage payments were delinquent two months. As it turns out, Regions Bank did not correctly set-up my auto pay -- nor however did they contact me for 2 months. I received no emails, no texts and no voicemails indicating there was a problem with my payment. I then received a notice from Regions Bank that they told a credit bureau about a late payment. 
The payment issue was solely due to Regions Bank. I had full funds available for the expected debit of my account. Further, Regions Bank failed to contact me immediately after the payment date. I was not notified until over 2 months after the payment was due! I have never missed a mortgage payment in over 19 years of payments and always had good communication with my mortgage lender ( XXXX XXXX XXXX  ) prior to this experience with Regions Bank. I find their conduct in mortgage servicing to be completely unacceptable. Why wait for 2 months before even attempting to contact me? Why not send a letter, text or email?

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 2022-04-24
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never open an account with these companies and I believe the accounts are fraudulent : XXXX. XXXX XXXX- an account was open on XX/XX/2019 for amount {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was subject to fraud via XXXX. The person who filed in my name requested a debit card. The debit card came and I am not able to reach anyone with the company to report fraud. This company does not have a way to contact them and make you activate the card. This is no good. Consumers have no way of feeling safe. 
Way2Go Card is the name of the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Caine & Weiner XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX Reference : C & W Account # XXXX I am writing in reference to the letter that you sent to me dated XXXX XXXX. 

I first made use of XXXX services to form a company and use their Registered Agent services on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX to cancel my services and my ongoing renewal as I was moving my Registered Agent services to XXXX XXXX XXXX XXXX due to excessive price gouging from XXXX. I received an acknowledgement of my request and was provided with a Case Number of XXXX. XXXX XXXX XXXX took over RA services for my business in XX/XX/XXXX. 

I have never used XXXX services with the exception of 1 year from XX/XX/XXXX and these services were cancelled with XXXX in advance of the renewal. 

Caine & Weiner emailed me on XX/XX/XXXX. I replied to Caine & Weiner on XX/XX/XXXX informing you that I owed no debt to XXXX. I did not receive a reply and my email was ignored. I received another email from Caine & Weiner on XX/XX/XXXX which did not acknowledge any of my previous correspondence. 

I received your written letter dated XX/XX/XXXX which did not acknowledge any of my previous correspondence or provide any details of the fictional debt attributed to me. 

Please cease and desist sending notices and attempting to collect this debt which I do not owe to XXXX or Caine & Weiner. Due to your repeated notices and lack of acknowledgement of my correspondence, I am also submitting a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Southwest credit calls me MULTIPLE TIMES PER DAY. It never stops. I do not even owe anything. They call during work, on holidays, on the weekends, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report XXXX XXXX Balance : {$840.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-06-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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

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

Company 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 2022-06-27
Company: CITIBANK, N.A.
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 has items on my credit report that are not mine name is not mine : XXXX XXXX please delete. 

inquiries are not mine : please delete. 

XXXX XXXX XXXX XXXX XXXX CITIBANK N A // XXXX XXXX XXXX XXXX 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 please delete

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 2022-04-24
Company: Experian Information Solutions 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 has violated code 15 U.S.C 1681 Sec. 602 A which states that I have the right to privacy. Also Code 15 U.S.C 1681 Sec. 604 A Sec. 2 states that a consumer reporting agency can not furnish an account without my written instructions. Also the information on my report isn't 100 % correct, that also violates my privacy.

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