BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: FL
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:
ITS FRAUD. I tried to contact the Credit Bureau but they didnt fix it. My name, address are incorrect, its a violation of he FCRA. Its unsafe to have wrong information about me like this. 
The report has a lot of variations that doesnt exists. 

My name is XXXX XXXX XXXX XXXX Address is XXXX XXXX XXXX XXXX, XXXX, XXXX. 
Phone number XXXX. 

I am sending proofs. 

Its unsafe for me and its a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I never closed my account with XXXX XXXX I told them to stop sending me catalogs and pre credit limits. They send it then I can't use it. I never closed any accountd

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 2023-06-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
An XXXX XXXX card holder, XXXX XXXX, recently filed XXXX credit card charge back disputes of his {$5000.00} retainer fee payment for our legal goods/services for his girlfriend XXXX XXXX XXXX claiming that " item was not received. '' However, we provided proof to PayPal ( our merchant service ) that the item was in fact delivered to the client ( attached ). Please immediately reverse this dispute and stolen {$5000.00} from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2022 apparently I owe a debt to a place or company I never even heard of have no knowledge of never received any papers or anything saying I was in debt it just appeared in my credit score I'm strongly thinking it's identity theft honestly because I have no knowledge of ever hearing about Awa I don't even know what that is and {$480.00} I owe you what about what it doesn't give me no information it just says the name of the company and that I supposedly have {$480.00} of debt when I never even heard of that company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account was hacked and {$5000.00} was transferred out of my account without my knowledge and consent. Notified the bank immediately who closed the investigation after a day and said thier was no fraud found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
In accordance with the Fair Credit Reporting act XXXX, Account # XXXX Account Name-XXXX XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name XXXX XXXXXXXX XXXX Account # XXXX Account Name- US DEPT ED Account # XXXX Account Name- USDOE/XXXX Account # XXXX Account Name-XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX   ) Account # XXXX Account Name-XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXX ) Account # XXXX Account NameXXXX 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 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 2023-01-06
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I contacted credit reporting agencies to remove accounts I never gave consent to be on my credit report. They are furnishing this report and it has caused my score to crash. They are violating my privacy and my consumer rights.

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 2023-02-18
Company: EQUIFAX, INC.
State: VA
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:
Inquiries were posted to my credit report from the following companies that I did not make or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: FinCo Services Inc DBA Current
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I currently had a dispute with current bank and I was told they my dispute was fine till recently when I got an email from them that my dispute was denied and my credit was going to be removed and this was fraud someone used my card without my knowledge and I was told if I send over the police report I should be able to get my funds back and they wouldnt take the money back waking out today and my whole XXXX payment was removed and now they arent even helping me to get this fix when I was told to send over all the documents and you will be fine the dispute credit wont be removed and I was okay with that I want my money and this to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-06
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a home mortgage with NY Community Bank ( " NYCB '' ). On XX/XX/2022 NYCB acquired Flagstar Bank in a merger, and is now operating under the name Flagstar Bank and is now one of the top 25 regional banks by assets. Our mortgage was transferred by NYCB to Flagstar on XX/XX/2022 and we were charged a " Account Payoff - Release Fee ( Payoff ) Charge '' of {$36.00}. This was not a refinance, and we had no part in this transfer. 

I know its only {$36.00}, but charging a payoff fee for transferring our NYCB mortgage to NYCB 's wholly-owned subsidiary is self-dealing and seems fraudulent. I am concerned that the charge is being missed by all of the customers since there has been so much paperwork sent out. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: PA
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:
See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE? I, XXXX XXXX is a victim of identity theft and you shall help me with this!

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 2023-01-06
Company: LEXISNEXIS
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Bankruptcy report on my credit report. These Bankruptcy report is NOT MINE. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX Account name : XXXX XXXX XXXX Account # XXXX BALANCE XXXX Balance updated XX/XX/XXXX Original balance XXXX Date opened XX/XX/XXXX Account type auto loan Last payment XXXX XXXX Contact info XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Southwest Credit Systems, L.P.
State: CT
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/2023, I learned from a credit alert notification that a new collections account had been added to my credit reports in the amount of {$10000.00}. Upon further research, i discovered that my stolen identity was used to obtain an apartment lease somewhere with this property management company in Texas. I have an existing extended fraud alert on my credit reports due to past identity theft issues, and evidently the creditor failed to review my credit report, as it clearly says to contact me and take addition measures to verify my identity before issuing anything. Only about a week later, i received a notice in the mail from a debt collector, Southwest Credit Systems , LP. I promptly send them a response disputing the debt for the reason that it is identity theft, along with the identity theft report that was filed immediately upon my receipt of the alert on my credit reports. As of today 's date, Southwest has not only failed to provide evidence of the debt, but is also continuing to attempt to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called AMEX to cancel my card. During the 9 minute call they went through a number of offers to incentive me to stay. At one point I was told that my card has no annual fee ( although I thought it did ). The representative said it doesn't cost me anything to keep. Ultimately I was offered {$75.00} after spending {$1000.00} to keep the card. 

A few months later I received an annual fee and called to cancel. The representative said that the {$75.00} was given to offset the annual fee. I don't remember that being true. I explained to the representative I was told there was no fee and wanted to cancel. She then said I would be charged the {$75.00} bonus. 

This seems like I was baited into an offer under false pretences then charged an annual fee. When I contested the fee, I was charged an amount equal to the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am unable to access my account when on an airplane. Every time I try, the bank requires two-factor authentication but the only options for authentication are a phone call or XXXX message. When flying, neither of these options are allowed ; I can not receive XXXX or phone calls over the airline Wi-Fi . TD could easily solve this by allowing authentication via email, or a data message ( eg, XXXX ) but they have refused despite my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing ( SPS ) has suddenly increased my monthly payment by {$170.00}, despite receiving ( 2 ) letters dated XX/XX/XXXX and XX/XX/XXXX stating " your monthly payment amount is not scheduled to change at this time. '' They have suddenly notified me a Rate increase beginning on XX/XX/XXXX and XX/XX/XXXX respectively. It was explained to me by an Account Specialist that the monthly payment increase is due to the " expected increase in property taxes and insurance '' in the coming year. But the Property taxes have only increased {$83.00} for the entire year and there has been no increase on my insurance premium for XXXX. 

Numerous calls to customer account specialists who assured me that they will resolve the discrepancy in 3-5 business Days. But I just saw a letter posted to the online portal stating the review process will take 30 Days ; meanwhile the new higher payment is scheduled to take effect on XX/XX/XXXX. 

It seems to me that SPS is attempting to induce additional stress by increasing the monthly payment and back-to-back Rate increases, which will inevitably force this borrower into an untenable financial position ... to Refi or default. 

My account has always been in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: RSI Enterprises, 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts. 
XXXX XXXX XXXX : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$690.00}

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 2023-03-02
Company: Nelson Cruz & Associates LLC
State: MI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collections agency called XXXX in XXXX ( XXXX, XXXX XXXX XXXX ) Account was paid in total of XXXX on XX/XX/XXXX on XXXX XXXX XXXX XXXXXXXX called about debt in XX/XX/XXXX from Nelson Cruz and Associates about this debt again, told them that I already paid this debt XXXX has no record of this debt at the location nor at the corporate level- I have not received a written letter about this debt or email, no verification. ' Told NCA about this and they became rude and hung up the phone on me and didnt call me back, then added this debt to my credit report - what a sham!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: IN
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 revied my credit report. I notice the following issues. 
Account Name : XXXX XXXX XXXX. 
date opened, high credit, date last reported, date last activity, please investigate or delete due to the fact that all credit reporting agencies are supposed to report 100 percent accuracy across the board for all credit reports, and it is not. I do not use XXXX on any paperwork. I was told that everything came back complete and accurate. How is that possible if the open date, date of last activity, and much more is incorrect? According to 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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 states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I previously asked XXXX XXXX Bank for items by law. 
These items are : a payoff disclosure, interest rate disclosure, credit insurance, original contract with my signed signature on it. I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief