BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-06
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My account status for XXXX XXXX is labeled as transferred when in fact it has been Paid through a collection agency but has never been updated as so. This is affecting my credit because it appears as though there is still a balance owed AND it is being reported on my credit report XXXX with the exact same account numbers. The second page of my attachment has the letter stating this account has been PAID.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.

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 2022-07-26
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, XXXX XXXX Bank 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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 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 2016-12-27
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have an account that was charged to my credit report, XXXX XXXX XXXX. Someone took out a payday loan using a bank account that was closed in XXXX with my information. They took the loan using this information out in XXXX. Again the bank acct was closed in XXXX. I want this resolved and closed and off of my name as well as my credit back up to where it should have been without this negative on my account for the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with US bank for which I used to conduct my primary day to day financial transactions. I have on three occasions make my credit card payment to another bank. And on all three occasions, my bank US bank have play these games with my account in which to do high and low stacking of processing of my accounts. The last time that did it for me was yesterday. I had paid {$200.00} on credit card account on XX/XX/XXXX. The authorization came through and US bank took out the money. There were sufficient funds in the account when I made the payment. US bank took the money out my account and held it until XX/XX/XXXX when they held the fund until they had sufficient transaction to reject the authorization, take out {$36.00} from my account and return the payment as insufficient funds authorization. This is not the first time they have done this sort of thing. I am fed up and I am not going to take it anymore. US bank keep playing these games with customers with low balances and I thought the new banking regulations were suppose to stop this. They should not have pull the fund made it unavailable, sit and wait until they find it convenient for them to access overdraft fees to make money off me.

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 2019-12-31
Company: RFNA, LP
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a live check in the mail from Republic Finance and I didnt cash it. It was picked up by a family member and deposited into her account without my knowledge. I disregarded correspondence with this company because I assumed it was junk mail. Around the time they started legal action against me for a wage garnishment I was the primary XXXX for my XXXX XXXX  mother. I dont remember even receiving a court summons. My Mom eventually succumbed to XXXX XXXX and I went back to work and was surprised to find a big chunk of my pay missing. I have repeatedly informed this company that I didnt cash this check and this garnishment is causing me such extreme hardship that my utilities were disconnected and my XXXX year old daughter didnt get anything for XXXX. I cant afford to wait on them to keep investigating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: DC
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:
CFPB : CFPB OPEN AND INVESTIGATE THIS COMPANIES REFUSAL TO OPEN AND PRODUCE FCRA SECTION 609 ORIGINAL DOCUMENTS WITH MY SIGANTURE AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. THIS ALLEGED ACCOUNT IS ALLEGED AND MUST BE PROVED UNDER SECTION 609 OF FCRA.THIS ALLEGED ACCOUNT IS OVER 7 YEARS OLD, YET STILL BEING REPORTED. REMOVE IT IMMEDIATELY FROM MY CREDIT REPORT!! i do not acknowledge this debt and I demand it be removed from my tri-bureau credit report immediately!! this alleged debt is well over 7 years old. I am also a victim TWICE of identity theft from office of personnel management and equifax. 
THIS COMPANY IS IS REFUSING, UNDER THE LAW TO PROPERLY INVESTIGATE this alleged account UNDER SECTION 609 OF FCRA AND I DISPUTED IT AND THEY REFUSED TO PRODUCE SECTION 609 DATA WITH MY SIGNATURE, THEY WERE SENT, THOUGH THE CFPB,. THIS COMPANY IS VIOLATING THE LAW AND I DEMAND THEY COMPLY AND DO A 609 INVESTIGATION AND REMOVE IT FROM MY CREDIT REPORT IMMEDIATELY!! I am a XXXX person and XXXX veteran XXXX XXXX and XXXX XXXX is discriminating against our nations XXXX XXXXXXXX XXXX and refusal to remove is making me homeless starving and freezing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: Aargon Agency, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
An account was placed on my XXXX credit report without notice or verification the debt/account was mine. No phone call contact or written notices were received. Aargon Agency has an account number of XXXX. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2019-12-31
Company: Ray Klein, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collection agency has used deceptive practices by serving me at an address that they knew that I did not reside at because they pulled my credit. I also did not know that this company won in court a default judgment in which I had a judge vacate because I was never properly served. 

I also sent a letter to validate the debt not knowing that I had even lost a case with USPS tracking number XXXX that clearly states on my return information that my address XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, GA XXXX. They replied to my parent 's address. The only reason I found out was my dad had XXXX on XX/XX/2019 and I went home to help him with his recovery and that's when I went to court to get a motion to vacate. 

This company practices deceptive practices and should be punished for its willful violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNV FUNDING LLC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I had previously asked Navient to close my account due to Identity Theft. They never responded. This is not a duplicate complaint. I have filed for Identity Theft protection with the FTC. I am sending Navient my Affidavit from the Federal Government. FTC told me to have all my fraudulent accounts closed. Navient is a fraudulent account. The Department of Education have already started a investigation. Including a police report and other enforcement agencies. 
This Affidavit Identity Theft from the Federal Trade Commission gives me Rights to have this fraudulent account of Navient closed and removed from my credit report. 
Navient if you do not accept this FTC Affidavit of Identity Theft and have any other form to state Identity Theft with Government approval to remove from my credit report download the form to this CFPB website and I will have an Government official to sign it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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  XXXX XXXX, XXXX XXXX XXXX, AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer 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 2015-10-09
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am trying to refinance with XXXX Bank. XXXX mortgage loans XXXX XXXXare showing up on my credit report as a short sale from a rental home I soldin XXXX XXXX, 2011. The loan numbers are XXXX for {$210000.00} and XXXX for {$39000.00}. 
I need proof from XXXX by way of HUD that this transaction of sell was complete. Thecompany claims that it does not have a record of this information. But it is showingup on all XXXX reporting credit agencies. I can not continue with my refinancing ifXXXX can not give me the information I need to close on my refinancing of my currenthome. I f they can not prove it, then it needs to be remove from the credit reporting agencies which XXXX Equifax XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Hello, I am writing in regards to my relia card through US Bank. 
When I was first approved for my unemployment I was unaware that the pre paid card would look like a solicitation in the mail and I threw away my card. Once i saw on the unemployment site to look out for this card after I received it and threw it away I switched my method of payment to direct deposit. The paid to date number for my unemployment is one payment short. This was the first payment and I believe it's on the relia card. 
I've been calling the customer service number for card holders almost six hours a day for a week. They will not answer and its impossible to get a hold of them. 

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 monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: GUARDIAN MORTGAGE COMPANY, INC.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
GUARDIAN MORTGAGE company in XXXX Texas and XXXX Texas have mishandled my loan application to purchase a home in many ways, making mistakes, causing delays that cost me money, providing no explanation or transparency for the process. There seems to be a disconnect between the central office in XXXX and the XXXX office. The broker handling my case was careless, making mistakes, forgetting to follow up. The loan officers in XXXX are badly managed and trained. 
The whole experience was frustrating to say the least. I had to send documents several items, the staff were rude and indifferent. 
Avoid working with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I 'm at my wits end with Equifax. I 'm sending them disputes listing clearly what I 'm disputing in regards to accounts where they only have partial or unknown elements to the accounts and they are required to correct or remove this information and they have not done anything at all. take the XXXX account for example : they have unknown terms, no type, unknown status, no payment status details and list it as a collection and yet the historical payment data reflects that I have paid as agreed every month. 
In addition, they are reporting XXXX as if they hold the account and I am attaching proof that this is not so. they are required to list this as transferred or remove it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: EQUIFAX, INC.
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:
To whom it may concern, There is an account that was opened under my name without my consent and I have it attached. I want it to get remove of my credit report. I contacted FTC also.Thank you for your help in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22
Company: EQUIFAX, INC.
State: GA
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:
XX/XX/XXXX The XXXX XXXX XXXX company was removed off my Credit report and as of XX/XX/XXXX it was added back on my credit report. As they were negligent in responding back to my letter and requests. In addition, this debt is older than 5 years of the Statue of Limitations for Florida. The total amount for the Repossession was for {$24000.00}. However, this debt was removed from all of my credit reports. I would like this matter resolved immediately as this a huge impact to my personal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Throughout a series of emails, I was asked to send a rent payment via XXXX to my landlord back on XX/XX/XXXX. My landlord is XXXX and XXXX ( 3rd round of XXXX ) and does not recall asking me to XXXX anything and she does not recognize the email address the money was sent to. 

XXXX told me the money was sent to someone in a different state and gave me their bank contact info. XXXX XXXX Bank, XXXX, and Bank of America have all given me the run around and have not cooperated in recouping these funds. Because I authorized the transfer, no one will listen to the very unique details of this situation. 

A previous conversation with a bank of america employee ( on XX/XX/XXXX or XXXX ) assured me that my money would be credited back to my account within 48 hours. Now bank of america has denied this was said, and have offered nothing more than " we will retrain this employee since he doesn't know our policies ''. 

Regardless if this is a scam or mistake, the recipient of these funds has pocketed them knowing full well the money was not intended for them.The recipient has also ignored all communications from banks, XXXX, and myself. Had I known that my landlord was not 100 % mentally and physically well, i would not have authorized this transfer. Essentially, this money was incorrectly sent to someone and this person has fraudulently pocketed the money. 

As a consumer, I have the right to be protected from scams, especially scams that involve my bank and my money. Banks have a responsibility to investigate claims and protect clients. I should be protected under the Electronic Fund Transfer Act, regardless of how Bank of Americs chooses to interpret the verbiage.

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 2017-03-23
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland credit management, Inc. ( MCM ) is a debt collection agency that states that i owe XXXX {$810.00}. This debt that i supposedly owe according to their records is false. This information has never appeared on my credit history or credit reports and I 've never had XXXX service, ever in my lifetime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are Misleading and Inaccurate information that are reporting on my 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 explanation
Consumer complaint received 2017-05-17
Company: PLAZA HOME MORTGAGE, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have mortgage wit h Plaza Mo rtgage. At the time we applied and got approved we put 5 % down and we had to pay PMI till we reach 20 % equity. We have done substantial renovation and  XXXX  story addition to the house. In a result of that our home value went up about {$150000.00} that what we guess. We applied for the PMI being removed by doing an appraisal. However they refused to grant this request as they are asking us to pay at least two years of mortgage and then they would consider the appraisal and look in to the PMI.   We are paying {$220.00} per months and that could go against our principal instead.   We are requesting an appraisal to find out the value of the house to determine if we reach 20 % of the home value in equity.   Thanks

Company response to consumer: Closed with explanation