BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the presence of inaccurate information on my credit report, specifically regarding late payments that are erroneously attributed to my account. Despite previous escalations and attempts to rectify this matter, the inaccurate information persists, and I am requesting your immediate attention to correct this error. 
Upon careful review of my credit report, I have identified discrepancies related to late payments on my account. I wish to emphasize that there has been no instance of missed payments on the account in question. I have consistently met all my financial obligations in a timely manner, and it is disconcerting to see information on my credit report that does not accurately reflect my credit history. 
I have previously brought this matter to your attention, and despite my efforts, the inaccurate information persists. I have attached copies of the previous dispute letters and correspondence related to this matter for your reference. 
I kindly request that you conduct a thorough investigation into the inaccuracies on my credit report and take immediate action to rectify the following issues : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
The outstanding balance on the card was paid on XX/XX/2023. On XX/XX/2023, almost XXXX XXXX later, the payment reversed and {XXXX} was re-applied to the outstanding balance owed. This account is now reporting that I am XXXX XXXX over the credit limit. 

This has caused a huge negative impact on my financial well-being, caused an unreasonable increase in fees and finance charges and is a defamation of my character overall. 

As defined in XXXX XXXX XXXX XXXX and XXXX, there is abundant evidence of the use of deceptive and/or unfair debt collection practices. There has been use of false, deceptive, or misleading representation/means in connection with the collection of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XX/XX/2023 I XXXX, sent lawful money orders in the amount of {$5000.00} to Mr Coopers overnight processing center at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. On XX/XX/2023 my green certified return receipt was returned to me. Approximately the XXXX or XXXX of XXXX I received a call from one of their agents named XXXX, he informed me the call was recorded so its on record. He informed me my forbearance was up and it was time to make a payment, so I XXXX gave the agent the tracking numbers to the money orders and he informed me that they did in fact receive the money orders on the XXXX day of XX/XX/2023 at XXXX. He was very helpful and assured me that they would get to the bottom of it, they know they have they payment and would credit my account since it was an error on there behalf of the company for the amount listed above. I sent the receipts in to email provided which was said to no be received. I was then contacted by XXXX whom I explained what happened I asked if she would honor what the last agent said as far crediting my account for the {$5000.00}, she also assured me she would, as she woukd investigate before hand, she also informed me that the money orders were cashed and may have been placed in the wrong account. I sent her the copies of the original receipts to her XXXX. @ mrcooper.com on the XXXX day of XX/XX/2023. 
Both agents agreed to to credit my account for the amount of {$5000.00} which was indeed cashed and then not applied to my account after I provided the evidence which they needed. 
Now neither Agent is honoring the word word is bond and notice to agent is principal.

Not only are you not honoring your word but in the middle of a payment dispute Mr copper issues a notice for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 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 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: DC
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:
I Have reached out to all 3 Credit Bureaus and they have given me the run around I have sent in my FTC report in months ago here are the inquires and accounts that need to be removed Immediately. 

Account Name and Account number XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquires XXXX XXXXXXXX XXXX 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 explanation
Consumer complaint received 2023-12-22
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Have a savings account with US Bank. It was just a couple XXXX dollars and it was closed about 5 months ago. 

I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. 

The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this matter.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act ( 15 USC 1681 ), I am a federally protected consumer. It is illegal to report any and all non public personal information ( 16 CFR 313.3 ( n ) ( 1 ) ), including any financial transactions with the consumer or any service performed for the consumer per 15 USC 6802 ( d ). A Charge Off is considered a certificate of indebtedness, therefore it is income ( more illegally reported financial transactional information ). There are currently 16 inaccurate transactional reporting on each credit report with XXXX, XXXX, and Experian. These highlighted entries must be updated to paid as agreed per 15 USC 1681c ( 4 ). It is my right per 16 CFR 433.2 to assert myself as the consumer at any time. Furthermore, I hereby rescind any authorization I may have given you through written, unwritten, verbal, and nonverbal per 16 CFR 313.7 ( e ) ( f ), to report any financial information to my consumer 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 2023-10-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My complaint is in regards to XXXX XXXX, this is the second time Ive had an issue with them. See prior complaint. I received a message from XXXX ( Experian ) that my credit score had tanked XXXX points. I checked my report and it was XXXX XXXX that reported me 30 days late. My account was paid off in XXXX of 2022, therefore I didnt have a balance. I received a text text message that said I had a balance of XXXX cents and that it was late. Mind you, I paid off my account in XXXX of 2022 to a ZERO balance. I called XXXX with the number provided on their website several time, no answer. I sent messages via XXXX, no response and I emailed for the last couple of days and still no answer. I also noticed they deducted XXXX out of my bank account. This is insane. I really need assistance with getting my credit update to never late, as I have never been late and this account was paid off in XXXX. This company should be shut down for their fraudulent activities. They are ruining consumers lives with the way they handle their past customers and Im sure current ones as well. Please assist.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act

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 2023-11-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 consumer Right 's have been violated15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c8 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.15 USC 1681 ( a ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to 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 non-monetary relief
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-02-01
Company: Nationwide Credit & Collection, Inc.
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Nationwide Credit & Collection , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This agency sent me notice of an amount owed to XXXX XXXX XXXX XXXX a place I have never been. XX/XX/2022 XXXX Balance due : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
My information was included in the Equifax, XXXX, and XXXX data breaches which caused my personal information to end up in the wrong hands. I notice some inaccurate and incomplete accounts on my credit report that I were unauthorized that I need removed immediately. I know that information on your credit report needs to be accurate, but the accounts listed on my reports are not accurate at all. I also sent letters to XXXX, Equifax, and XXXX more than 30 days ago and the disregarded my disputes and kept reporting false, incomplete and inaccurate accounts. this is hurting my reputation with the banking system and hurting my chances at getting approved for a home loan. I need all inaccurate accounts and inquiries removed now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: REGIONS FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 my debit card was stolen while I was on vacation. They took my card and used it 8 times at a local XXXX. The total amount stolen from me was {$3900.00}. 
That same day I called my card company to tell them about these charges that werent mine. They said I had to wait for the charges to clear to make a claim. Eventually made the claim and was told it can take about a month for an answer. On XX/XX/2023, the fraud department sent me over 8 emails stating my claim has been approved and I would be receiving my funds in about 1-2 business days. 
Its XX/XX/2023, I have yet to receive my {$3900.00}. 
I have called over 30 times in the course of 8 months to ask about my funds. Ive spoken to several reps and supervisors and they have all told me the same exact thing. We will escalate this to our fraud department, and when we have an answer from them, we will give you a call Theres no direct number to their fraud department and apparently the only way to reach them is their email. 

Company is XXXX XXXX Ive also tried to reach XXXX but they said XXXX is a separate company from them and they can not see my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01
Company: SYNCHRONY FINANCIAL
State: MD
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:
XX/XX/XXXX I received a invitation offer by email from XXXX XXXX XXXX to apply for a Credit Card with no impact to my XXXX XXXX if I'm declined*. I was hesitant and decided to call the number listed to confirm XXXX and was reassured that that info was indeed correct it was only a soft inquiry and no impact would occur to my XXXX XXXX ( which later turns out is a false/deceitful statement ). After getting off the phone I apply and get the we'll contact you message about this card. I then start thinking I really don't need this card as its redundant to another to my XXXX  Rewards card that offers cash back on XXXX. I call with in a minute to call XXXX XXXX  that I want my application withdrawn they said it looked like my application was accepted but with another department and that they would relay the word about my withdrawal. 

Late overnight I was awaking my email notifications stating there was a change in my credit report and that I had opened a account with Synchrony Bank ( SYNCB/XXXX  ) XXXX 
The following day I called and spoke to the Synchrony Bank about what had happened and was assured it would be taken care of the account that was opened would be closed and any inquiries would be removed. I was told a letter would be sent to the credit reporting agencies and myself as well as a mail correspondence one correcting the issue and as confirmation of action of letter to the Credit Bureaus. As a result I froze my Credit Accounts to prevent any unauthorized inquiries to the other Credit Reporting Agencies such as XXXX and XXXX. I went back to the application to see if I could cancel and it stated congrats I was approved I had email confirmation about using the electronic card while I waited for it to be mailed. 

I received XXXX conflicting pieces of mail correspondence on XX/XX/2023 from Synchrony Bank stating that they could not approve me for a XXXX XXXX XXXX Account because my Credit Reports were frozen and another stating the inquiry was valid. So in XXXX instance they said my account wasn't approved because of no access to my Credit Report ( yet I have a inquiry which is unauthorized ) and on top of it I took a hit to my score as a result of the inquiry and unauthorized account being listed on a XXXX credit bureaus. In the next letter they say they say I have a account and am a XXXX customer even though I told them I didn't want the card immediately and after finding out they had opened a account I told them to close it as it wasn't with my consent. They said they would over the phone. I'm upset about their shady practices. I want this unauthorized inquiry removed and confirmation the account was closed per my phone calls with them ASAP.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Within the next 15 days, I am scheduled to update my credit reports, and I earnestly anticipate the removal of the following items from my credit file. Allow me to emphasize that, as outlined in FCRA Section 605b, Credit Reporting Agencies are obligated to eliminate any items listed on an identity theft report, reference number # XXXX. The specified items for removal in each bureau are as follows 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 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 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 2022-10-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to remove this personal information that 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 this personal information not later than 4 business days. XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation