BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: MO
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

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 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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:
Indentity theft. Someone obtained my social security number and tried to take out several loans under my name a may have successfully done so to a few. I have several inquiries on my report that I know nothing about I was not trying to take any loans in almost 2 years. 

Inquires : 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 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 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 2023-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan for XXXX {$90000.00} that is removed in the amount but no action from the bureau to elevate my credit. in fact within a five day period my credit score was decreasing 6 times causing a depleted opportunity to refinance. I was misleaded and told to contact FICO. which is another paid agency and I already pay for XXXX. The report reflects that my credit usage is 104 % and thats a false depiction. I have never had a credit score over XXXX and I have satisfied extreme debt and sought out a credit fixing company. ALL THREE BUREAUS ARE REFLECTED I am affected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting 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 have disputed this information several times, I have NO BUSINESS with these companies and have no understanding how Equifax allows fraudulent activity to occur and then tell me to figure it out! It's a shame that some company can run your report several times that I have no business with and didn't authorize them to do it. There are laws to protect me, and I am asking for your help with the removal of these fraudulent inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} CB/VICSCRT XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I mailed the XXXXdispute letter to Equifax, XXXX, XXXX stating the information being reported on my credit report is incorrect and it needs to be removed immediately! the documents were sent in the month of XXXX, and which its pass the 30 calender days for a rebuttal of the affidavit to be contest which has not happened

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a customer of HSBC USA. In early XXXX, I found that my account was locked by HSBC USA. After negotiating with HSBC USA, they believed that my bank account was at risk and that it was necessary to re-examine it. During the negotiation with HSBC USA, I stated in detail that I am a XXXX customer and that I applied for and used an HSBC USA account in compliance with U.S. laws. I requested them to restore my account as soon as possible. However, it's been a month and they still haven't reinstated my account. I think they are severely discriminating against XXXX customers. They casually suspended my account just because I am from XXXX. This has had a very serious impact on my life. We have always known that the United States is a country of freedom, equality, and democracy. I can't believe that in this land, such discrimination against other ethnic groups is still happening. At the same time, I believe this is the work of a small number of companies. I hope CFBP can uphold justice for us consumers and provide a fair environment for this land so that discrimination against other ethnic groups will no longer happen in the United States. God bless the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
My husband became unemployed as of XX/XX/XXXX. I applied for mortgage assistance pertaining to this issue on XX/XX/XXXX as I was waiting for the state of texas to approve the unemployment claim for my husband. I uploaded all required documents. On XX/XX/XXXX I received a missing information letter from SPS requesting I upload XXXX payslips and 2 months bank account information I uploaded the same day. On XX/XX/XXXX I received a complete assistance package letter. On XX/XX/XXXX I received a missing information letter I received a request for XXXX again and a military leave earnings statement. I had already provided the paystubs and no one in our home is in the military. I uploaded a letter to that effect. On XX/XX/XXXX I received another missing information letter requesting the same information as on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX I received another missing information letter requesting bank account information, and I also received a call from SPS. I spoke with a representative- don't recall her name but she stated there were accounts showing transfers on the bank statements and those statements were needed. Except those accounts belong to my minor children and the transfers were allowance. I wrote a letter to that effect with the ending accounts numbers she had provided.On XX/XX/XXXX I then received a complete assistance package notice. On XXXX I received a missing information letter requesting the same information as as on XX/XX/XXXX. By then a new bank statement was available and I uploaded XX/XX/XXXX. I received another complete package notification on XX/XX/XXXX. And again on XX/XX/XXXX I again received the same missing information letter as on XX/XX/XXXX. I contacted SPS and asked to speak with the relationship XXXX and was told by the gentleman who answered he would leave a message with her. I asked if he could help. I explained I have provided the same information repeatedly and each time am again asked to keep providing it. He said he saw that everything was submitted and would send a message through. I also told him that the letters were generic and if there was some specific information needed it should be clear. On XX/XX/XXXX I received a complete assistance package letter. It is now XX/XX/XXXX and they have again issued a missing information letter. I don't know whether it is incompetence, a deliberate tactic to avoid offering assistance, or if there is some valid information missing. But they have delayed this to the point, where we are almost being forced to default vs working with us until my husband is back to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting 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:
Have inquiries on my account that i don't have no clue about! Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a ally account to use XXXXwhich I now transferred the info to my XXXX XXXX  to use their XXXX the person on the phone was rude as XXXXdemanded to know why this person sent me money, what it was going to use for, and now they want to add her to my account they locked me out of my acct. 
froze the XXXX that was sent to me-it is none of their business what I am using the money for I want it transferred to XXXX, because I dont like their attitudes

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 2023-10-14
Company: U.S. BANCORP
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
The card opened without my knowledge I spoke with US Bank still noot removed phone XXXX. I want to delete immediately.Re Account name US BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2700.00}

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 2023-10-16
Company: EQUIFAX, INC.
State: AZ
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my numerous 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: U.S. BANCORP
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have made regular payments on my credit cards over the past 3 months. As of today XX/XX/XXXX my payments have still not been reported to either 3 credit bureaus to reflect the new balance owed. I am aware an update can take up to 30-60 days. As of today, for the past 3 MONTHS, my credit report has not reflected payments made thereby reducing the balance owed & reporting no payment in 3 MONTHS!!!!!. There has not been an update to 3 of my credit cards ( PLEASE CONTACT ME FOR ALL 3 CREDITORS ) BUT XXXX is one, with a correct balance reflecting payments received. I have reached out to the companies & filed a dispute with the credit bureau only to receive a response, from the credit card company saying the information is correct!!!! UNBELIEVABLE!!!!!! THIS IS ABSOLUTELY NOT TRUE. I can provide payment history and confirmation numbers of payments submitted regularly with no reduction seen in my reported balance in 3 MONTHS. I recently filed a complaint due to " Erroneous '' reporting against one of these creditors. This company did nothing more than remove the " X '' marked against my account ONLY after I filed a complaint but never updated the account to reflect payments RECEIVED which would show my " correct '' balance. Hence each of the 3 companies continues to maintain my balance at the same amount it was 3 MONTHS AGO, since XXXX!!!!! 

I am asking that an investigation be completed by the 3 credit bureaus to include proof of payments RECEIVED and verify the balance reported BEFORE OR AS OF XX/XX/XXXX to illustrate my new balance had not been reported and updated accordingly. In fact, as of XX/XX/XXXX MY CREDIT SCORE DROPPED AN additional " XXXX XXXX '' even though I continue to honor my agreements with monthly payments, even above the minimum amount due. I should not have to wait 3 months to have my balances updated to reflect payments made AND REPORTED TO ALL 3 CREDIT BUREAUS.

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX Balance : {$5100.00} ; XXXX  XXXX Balance : {$5600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had volunteerly return the vehicle in late XXXX. However the corporation has recorded my last payment being listed in XX/XX/XXXX. Which is incorrect my loan account is being recorded as 6 years and 7 months as an open account. I had moved from that address in XXXX and has already returned the vehicle in 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 monetary relief
Consumer complaint received 2023-10-16
Company: Possible Financial Inc
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Possible financial XXXX different accounts : 15 us code 1692G I do not recognize how this account is reporting on my credit report. I dont recognize the account number I dont recognize the account status or the account balance nor do I recognize the late payments or any payments associated with it. Everything reported here does not meet the FCRA. When I asked for information from this debt collector they denied any information for me and was very rude and threatening questioning me as to how I dont know this account! fCRA sec 623 that enforce FACTA 312 since they are unable to perform a reasonable investigation then required by FCRA the negative debt must be removed immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: World Omni Financial Corp.
State: FL
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 existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Maximus Education, LLC dba Aidvantage
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
It required a previous CFPB complaint to get Aidvantages attention to assist me in enrolling my loans into auto pay. Now, although my loans claim they are in auto pay, payments are not being made when my account claims it will do so. I am worried about making a manual payment since I dont know if the auto payment will be made or not. In my last CFPB complaint, I noted that calling Aidvantage would always leave you with a voicemail inbox that couldnt accept messages and it would hang up on you. I have now been on wait for more than an hour today spanning two different calls to Aidvantage. They did not fix the voicemail inbox issue, they just removed the voicemail inbox all together. Now you are just on hold with no indication of ever actually speaking to anyone. I just want to pay my loan and trust that the information provided to me by Aidvantage is accurate. Aidvantage is not permitting me to achieve either of these goals.

Company response to consumer: Closed with explanation