BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to file a formal complaint and seek your assistance in conducting an investigation regarding unauthorized hard inquiries that have been undertaken on my credit report without a permissible purpose. These inquiries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) ( 1 ), and I request your intervention to have them promptly removed from my credit report. 

Upon reviewing my credit report, I have identified several hard inquiries initiated by these companies. To the best of my knowledge, I have neither provided any consent or authorization nor have any business or financial relationship with the entities associated with these inquiries. 

XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX FCU XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. AMERICAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX To aid the investigation, I have attached copies of my dispute letters to the credit bureaus and a copy of the F.T.C. report. 

Thank you for your attention to this complaint. I'm looking forward to a quick solution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: TN
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:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I made 4 transactions at XXXX XXXX XXXX XXXX, on XX/XX/XXXX for XXXX mmount of {$790.00} each transaction On that time the merchant said there was a connection problem with the machine of the payment and my bank, so the transactions were cancelled. I checked my online banking and I didnt see any charge or pending transaction. So the purchase were cancelled. 
After 4 months the same merchant charged my account for the same amounts without my permission, and having the card locked. 
I reported this to my bank and they denied the case without any letter or information about the case. 
I called several times to know more about this and request to reopen, but on the 3 calls the call was disconnected, and the other 3 they said " we couldnt find your account '' something is XXXX wihout any sense. 
I need to have this fixed and clarified, I have my account overdrwan because of this problem

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 2023-06-03
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: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was put on hold for no apparent reason. I called and was told there is nothing to do and I have to wait 2 days. I need access to my money now and the agent did not offer me a way to accelerate or resolve. Holding my money ransom for two days is not acceptable to 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 2023-06-03
Company: EQUIFAX, INC.
State: MI
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 submitted this request for a reinvestigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update/correct the following accounts from my file. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$40000.00}, XXXX XXXX XXXX XXXX Balance : {$4800.00}, XXXX XXXX XXXX XXXX Balance : - {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Central Portfolio Control Inc.
State: SD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I told caller this is a new number for me and I do not know the person they are looking for. They continue to call me daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: NC
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 received my investigation back and you stated that you completed a fair investigation and that these accounts are 100 % accurate. 

But can you please answer this one question. How did you investigate these accounts? 

Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report. 

You were supposed to interview my neighbors and interview my friends. 

Did you interview my neighbors? 
Did you interview my friends? 
Who did you talk to? 
When did you talk to them? 

One more thing can you please tell me how everything is 100 % accurate if these accounts High Balance, the Last verified date, Date Reported, the Date Opened, the Closed Date, the Creditor Type, the Last Payment Date, the Account Type, the Credit Limit, and the Date of Last activity are STILL NOT reporting the same information at all? 

You have violated multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

I demand deletion of the accounts from my credit report. I've listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts immediately or you will be responsible for {$1000.00} per violation. 

Send me updated credit report with accounts permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-03
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I recently opened a Venmo account and upon account opening I was promoted to provide my full SSN, birthdate, photo of my driver license, etc. in order to fully verify my account, which I provided promptly. After two days I received an email which stated that my identity had been fully verified and that my account was good to go however Ive been unable to access the money in my balance by either transferring it to my linked debit card or send/receive paymentsboth of which should certainly be available after successfully verifying my identity. I have a {$400.00} balance in my account that has been stuck in there without any ability to access it whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I reached out to COLUMBIA DEBT RECOVERY and validation was requested for the collection account reported to my credit report in the amount of XXXX XXXX The collection has been reported as a past due balance. I contacted Columbia Debt Recovery to provide me with any business contracts we may have together. Moving forward now XX/XX/XXXX I reviewed my credit report again and the account continues to reflect on my credit report and I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore I have reported this account as fraudulent. I do not know this company. I have never done business with this company. In accordance with the fair credit reporting act : COLUMBIA DEBT RECOVERY, 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 2023-08-03
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received an email from the postal service on XX/XX/XXXX regarding a delivery fee needing payment to deliver my package. I did not suspect any fraud since I've had to pay this fee online before. 

On XX/XX/XXXX, immediately after seeing this email & paying what I thought was a postal fee, a transaction of {$180.00} hit my bank account ending in XXXX. The merchant in the transaction description says " XXXX XXXX ''. I am a XXXX XXXX XXXX woman & I do not use XXXX XXXX, let alone give out my card info on there. 

On XX/XX/26, Wells Fargo determined this transaction was authorized, & closed my claim # XXXX. When I called & spoke with XXXX at the claims assistance center, he advised me to contact XXXX XXXX. 

I believe my bank should be contacting this merchant instead of myself. They have not given me any details regarding how they confirmed this was authorized. I also doubt that XXXX XXXX themselves as an entity took my money, so their support center is unlikely to know anything of this incident. 

Also, Wells Fargo has always alerted me of suspicious activity, even about legitimate transactions. This incident, a merchant I've never done business with charged me for an unusual amount, & Wells Fargo did not bring this to my attention so I could have the opportunity to report this as fraud.

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 2023-08-04
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around 15 days before the end of XXXX I received a form letter from XXXX XXXX informing me that our mortgage was sold to New Rez LLC and that beginning XX/XX/XXXX no payments would be processed by XXXX XXXX. Other than providing a mailing address for payments and instructions to update our homeowners coverage with the new mortgage company the letter provided no information on what to expect from New Rez. I have been left to assume that there is no change in our account number, but this is not at all clear from the communications. 

It is now XX/XX/XXXX and we have yet to receive ANY communication from New Rez, a company we had never heard of, and which I understand from my own research has extremely low customer satisfaction ratings and many complaints filed against it. XXXX XXXX was horrible to do business with ; now we can anticipate even worse service. 

Isn't New Rez accountable to provide some kind of communication to borrowers, in a more timely manner than after the payment due date? We have not received a monthly payment notice from them or any other communications. There is no email address for customer service provided by the form letter we received from XXXX XXXX, and no way to figure out if our account has actually been re-established at New Rez.

They have also put on my back responsibility to update my homeowners insurance company. It boggles my mind that I have to do ALL OF THE WORK when they are making good money on my business and putting me through considerable stress and hassle to help them do so. 

With something as important as a mortgage payment, I feel as a customer and homeowner and borrower the lender should be accountable to provide clear, proactive communications to ensure this transition is handled with no inconvenience to me as a profitable customer of these companies. This is the second time our mortgage has been sold and it is incredible how we get passed around, " sold '' like a piece of meat ; these companies doing these deals owe their customers more! 

I hope you will hold both XXXX XXXX and New Rez accountable for handling borrower communications when servicing rights are sold in the best interest of people like me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has not properly investigated the accounts in question on my credit report. I have attached a copy of my report, complaint, along with the accounts in question. I have communicated that these accounts are unverifiable and MUST legally be removed from my credit report. I sent my dispute via certifed mail : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting actThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States 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 1681c. ( a ) ( 5 ) Section Statesno consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informationother than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
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:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-16
Company: Professional Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Reference # : XXXX I reject your offer to contract. I did not consent to any nonaffiliated third party being in possession of my nonpublic personal information. This is a notice to cease and desist all communication resulting from this alleged debt. I am not requesting validation of any alleged debt as obtaining nonpublic personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. The balance reflects an extension of credit. The collection of this extension of credit would be a violation of the false claim act. I would like the name and address of the original creditors as I have reason to believe that you both are conspiring to collect on this extension of credit through unlawful extortionate means. If there is any attempt to engage in any further collection activity on this extension of credit such as the furnishing of false credit information to the credit reporting agencies, I will file for suit for intentional infliction of emotional distress!

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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