BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I AM REQUESTING XXXX, EQUIFAX AND XXXX TO REMOVE THE CREDIT FREEZE, FRAUD ALERTS SO THAT CFPB CAN AIN IN PORTECTING MY CREDIT FAIRLY. WHEN THE DISPUTES ARE COMPLETED I WILL REPLACE THEM BACK ON MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXXXXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
Company: TD BANK US HOLDING COMPANY
State: HI
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 had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined. 
Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
These ( 2 ) inquiries were Fraudently obtained using my social security number Permanently erase the following Fraudulent inquiries. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: R.M. Galicia, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been battling with Progressive Management Systems, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX since XXXX XXXX over a bill of {$2300.00} assigned to them by XXXX XXXX XXXX Hospital. 

My insurance company, XXXX, paid this bill at 100 % and then we started getting bills from PMS ( aka Progressive Management Systems ) for this balance for an Xray that was over {$7800.00}. I had a XXXX XXXX XXXX - how is this even possible. 

I have asked them to sent me proof and documentation that this is my account and they keep sending me their Printouts from PMS. 
XXXX/XXXX/XXXX - I sent them a letter requesting proof that this is my account and received nothing. 

XXXX/XXXX/XXXX - I called and recorded the call. I was told this is my spouses debt - not mine. 

XXXX I sent them another request in XXXX and they sent me their printout and a list of medical services supposed performed by the hospital ( Why is a collection agency seeing my medical history? ) My attorney wrote them a letter a month ago with no response. 

My wife was in XXXX XXXX last month and picked up ALL the copies of my medical records, there is no HIPPA documentation in there. 

Overbilling, trying to collect from someone else and now my medical history. 

I want this removed from my credit reports immediately! 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
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:
This is XXXX XXXX submitting yet another CFPB complaint to address the Credit reporting Agencies inability to verify the information being reported on my Credit Report as well inability to report accurate only information my Credit File. I previously sent a letter addressed to the Credit Bureaus requesting that the Credit Bureaus take their time to verify the information being reported on my Credit File. I believe I am victim of Identity theft and the items I am disputing were the results of such crime. I Started disputing my Credit File on XX/XX/XXXX under the provisions of the Fair Credit Reporting Act section 605b and the last letter I sent to the Credit Bureaus was dated XX/XX/XXXX. The Credit Bureaus have failed to remove the disputed items completely from my Credit report and insist that the information they report are accurate and verified. I do not agree with their findings and demanded proofs of verification for me to be able to verify the information myself. But the Credit Bureaus have also failed to send me copies of documents to support their claims. I am now submitting this CFPB complaint to order the Credit Bureaus to remove the disputed items completely from my Credit Report as soon as possible for they have failed to comply with my requests. I need the following items deleted immediately : 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 XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, 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 2017-04-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I endured multiple issues  with USAA over the p ast year that, in my opinion, appear to demonstrate a pattern of very concerning behavior. In  XXXX , the bank sent an unauthorized payment from my checking account to a recipient I deleted   from my account. After months of awaiting resolution, USAA told me that they would not take any action. I decided at this point that I would remove all of my business from USAA and the representative told me " good luck ''.
I then worked to close my credit card with USAA. After being transferred a dozen times to various representatives, the    bank eventually agreed to close my credit card and confirmed that they would no longer use it for their internal automatic payments. Needless to say, they billed it anyway and then told me they could not close it. This took another series of steps to close the account. It still appears open on my login screen with an expiration date of   XX/2017 . USAA al so signed me up for all of their credit card marketing and told me that I had to call a specific person to opt out.   I attempted to close m y USAA Savings acc ount today. There is no online option, so I went to the chat service. Afte r 10  minutes, they told me I could only close by calling in. I called in and the first representative said aft er 10 mi nutes that she could not close the account and that I would need to call back. I asked to speak to someone else. They transferred me and another representative said she could not close my account, but might be able to tomorrow. I asked for a supervisor. She then told me that she could close my account tomorrow, if I called back. I asked her to just close it, and she told me she would not.     For additional historical issues with the bank, I had two instances where errors from USAA mortgage services caused financial loss to me that I had to work to recoup. The first, I caught during the mortgage process and spent hours reconciling. The second was caught by an audit and resulted in payment sent to me years later.
At this point, I can no longer assume positive intent with the USAA team. I feel abused and they are attempting to force me to keep accounts open with them as I close them. I would like to file a complaint accordingly. I seek to have my savings account closed, my credit card confirmed closed, and whatever your team deems appropriate regarding my other experiences. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
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 XXXX : XXXX violated my rights. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court or competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-03-03
Company: EQUIFAX, INC.
State: MD
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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
When Lowes posts payments to your statement they take the payment and prorate it over all your different ongoing accounts that have different due dates IE 6 months 12 months etc. By doing this your oldest due date may never get paid off completely, and you get charged the interest. I really thought this was declared illegal along time ago, and NONE of my other cards do this. Even some from the same bank as lowes. XXXX XXXX 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 explanation
Consumer complaint received 2022-08-30
Company: EQUIFAX, INC.
State: MN
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 went to a dealership was told credit would be pulled once and it was pulled 3 times. 
There is also an Inquiry form XXXX XXXX  that isnt recognized. thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX bank Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.

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 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 personal information was stolen and compromise. I have file a police report. 
These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX  ( {$1900.00} ) XXXX  ( {$240.00} )

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 2022-03-03
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/21 XXXX XXXX XXXX, XXXX appraised my house at {$800000.00}, At that time they should have automatically removed PMI since they were aware that my XXXX was less that 80 % and my equity was well over 20 %. I just came out of forebarance and they used 3 months as a waiting time for a now loan with a reduced rate from 4.375 % to a modified rate of XXXX XXXX to 3 % the going rate, and removal of PMI. Please check their figures saying I need to send them {$100000.00} to end PMI. There is a lot more to this. Please call XXXX XXXX XXXX XXXX for more information to start this case. 
address is XXXX XXXX XXXX XXXX NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 non-monetary relief
Consumer complaint received 2022-03-03
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:
On Monday, XX/XX/2022 at around XXXX, XXXX XXXX XXXX XXXX XXXX ) from Rocket Mortgage called and at one point, he asked for my DOB which I thought was part of the process of completing the file for our mortgage account which was recently got transferred to Rocket Mortgage. NOT knowing that he pulled a hard credit report on my husband and I. He misled me by asking a series of questions and at that point, when he asked my DOB, I thought was all part of his job of completing our information. Unfortunately, he ran a credit report on my husband and I which I did not authorize.

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 2022-08-30
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block/remove this file. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2005 Balance : {$19000.00}

Company response to consumer: Closed with explanation