BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-22
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX, XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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 is missing that should be on the report

Complaint:
On XX/XX/XXXX, I contacted XXXX by phone and spoke with an agent. I informed them that I have a revolving credit line ( credit card ) with XXXX since XXXX that does not get reported on my credit report. I have already spoken to XXXX on many occasions regarding this and XXXX has assured me that they report to the credit bureau every month. The agent at XXXX told me that they do see the account in question however due to a balance dispute in XXXX, they have removed my account from the credit report. I asked XXXX that I would like my account to appear on my credit report because I have had it for 8 yrs, and the credit line is {$33000.00}, which both aspects would improve my credit score. XXXX told me there is no way to bring the account back on my credit report. I believe this is incorrect and does not follow the FCRA as my credit report is incomplete and inaccurate. The debtor is reporting every month, I am requesting the account to be reported, but XXXX is stating it can not. 

I contacted XXXX and XXXX has stated they will start reporting my account. When I contract Equifax ( also spoke to them on the phone today XX/XX/XXXX ), they inform me they do not see the account at all. XXXX has confirmed for me that they do report monthly to all 3 credit bureaus. So my dispute is with XXXX and with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: MD
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:
Please work with Experian to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. Experian is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from Capital One : 1. XX/XX/XXXX XXXX Cap XXXX XXXX 2.XX/XX/XXXX XXXX 3.XX/XX/XXXX XXXX 4. XX/XX/XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they called but msgs were deleted ) 5. XX/XX/XXXX XXXX 6.XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX 8. XX/XX/XXXX XXXX  9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXXXXXX 13. XX/XX/XXXX XXXX 14.XX/XX/XXXXXXXX 15. XX/XX/XXXX XXXX 16. XX/XX/XXXX XXXX 17. XX/XX/XXXX XXXX 18. XX/XX/XXXX XXXX 19. XX/XX/XXXX XXXX 20. XX/XX/XXXX XXXX 21. XX/XX/XXXX XXXX 22. XX/XX/XXXX XXXX 23. XX/XX/XXXX XXXX 24. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check on XX/XX/2022 and was told it would be cleared on Monday, XX/XX/2022. The check in question is being held until XX/XX/2022 and is going to cause a late payment for my mortgage. Also even after not opting in for overdraft protection, I am still having my account pay out reoccurring debts causing several overdraft fees to hit my account. My account is being overdrawn in the same manner as a previous investigation by the CFPB. 

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 monetary relief
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account that has already been previously disputed under identity theft, is re-appearing as a collection on my consumer report. I did not know that after being resolved, my life could be put on hold again at the cost of identity theft that has been reported over and over. I can not believe this company is going above and beyond to ruin my life, and that my identity is still not being protected.

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 2022-05-02
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
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, has violated my rights. 

15USC 1681 Section 602 States i have the right to privacy. 

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a mortgage account under an open end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
IN REGARDS TO COMPLAINT # XXXX. THAT WAS CLOSED. NEEDS TO BE REOPENED. THE COMPANY " XXXX '' STATED THAT THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTIONS ACCORDING TO XXXX XXXX XXXX. " XXXX '' HAS ADMITTED TO CREATING A DUPLICATE ACCOUNT. PURSUANT TO XXXX XXXX XXXX ( XXXX ) I AM A NATURAL PERSON. " XXXX '' IS IN VIOLATION OF PURCHASING A DEFAULTED DEBT. UNDER XXXX XXXX XXXX ( G ) AS A FEDERALLY PROTECTED I REQUEST ALL DOCUMENTARY EVIDENCE UNDER XXXX XXXX XXXX OF SUCH CONTRACT EXISTS WITH MY SIGNATURE, DATE OF ORIGINAL CHARGE OR DELINQUENCY., AMOUNT PAID FOR THE DEBT THAT " XXXX '' ADMIT TO PURCHASING WHICH THEY ARE IN THEIR RIGHTS BUT MY INFORMATION WAS COMPROMISED AND THIS IS AN INFRINGEMENT UPON MY CONSUMER RIGHTS. YOU ARE ABLE TO REQUIRE ABOUT CONSUMERS LOCATION INFORMATION PURSANTED TO XXXX XXXX XXXX ( B ) FROM A PERSON CLOSE TO ME WHO DID YOU COME IN CONTACT WITH? THIS IS CALLED DEBT PARKING. I REQUEST A XXXX XXXX XXXX AUDIT XXXX XXXX XXXX ( XXXX ) ( A ). NO CONTRACT NO CONSENT IS IDENTITY THEFT, AS I WILL BE FORWARDING TO THE FTC. CLEARLY IN VIOLATION OF XXXX XXXX XXXX ( A ) AGGRAVATED IDENTITY THEFT. AGAIN CONSUMER DISPUTES THIS DEBT AND ALL CLAIMS IN ACCORDANCE OF XXXX CFR XXXX, TITLE XXXX XXXX XXXX, REGULATIONS Z AND REGULATIONS M. AS TO I WAS NOT NOTIFIED I HAVE A RIGHT TO KNOW WHAT THEIR COMMISSION IS IF THEY ARE SUCCESSFUL IN THE COLLECTION OF SUCH DEBT PURSUANT TO XXXX XXXX XXXX ( C ) ( XXXX ). VIOLATION OF XXXX XXXX XXXX ( A ) ABUSIVE PRACTICES AND XXXX XXXX XXXX ( J ) XXXX XXXX XXXX XXXX Chapter XXXX, engaging in counterfeiting and such behavior is a felony according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) if a company has filed a XXXX they have committed XXXX XXXX  and should be reported to the IRS XXXX under XXXX usc XXXX ( XXXX ) ( b ) no right to collect. if you are not affiliated with the united states XXXX and you are or are working with a private attorney. until you can produce a contract to collect services under XXXX XXXX XXXX you can not collect ant debt in the united states XXXX to XXXX XXXX XXXX CEASE AND DESISTS IN YOUR UNLAWFUL FURNISHINGS AND REMOVE FROM " ALL '' REPORTING AGENCY IMMEDIATELY. FOR MY EVIDENCE TO PROVIDE TO ANY COURT PROCEEDINGS I REQUEST XXXX FORM PLEASE SEND BACK ALL REQUESTED ITEMS LISTED HERE IN COMPLAINT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
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: Account information incorrect

Complaint:
The collection agency advised me they informed the credit bureaus more than 45 days ago the item should not be on my credit report. Yet another example of an FCRA violation against me. As is the practice my credit score is lowered without cause. When I complain about the collection item not being removed it is then removed and the score put back to the incorrect score that was just lowered. My FICO score was lowered stating my credit debit ratio went from 19 % to 24 %. Now this is the same credit score that was paid down well below 30 % and the bureaus never increased my FICO. I ask the again who is advocating for me. I am one of probably millions of XXXX and XXXX  people that this systemic method of keeping some people restricted by unethical, unfair practices with regard to credit. XXXX XXXX advised XXXX was to be deleted 45 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan had been transferred to 3 different service since origination from country wide XX/XX/XXXX ; my loan had adding additional charging drastically ; each time is a new servicing my amount incremented. I need to solved this matter is seams like whenever I tried to get any explanation my loan is sold or transferred. Please helm me ; I do not owed what lenders staying I owed. 
Below a copy of the letter sent to new service SPS. 

XX/XX/XXXX Ref : loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSelect Portfolio XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX I am disputing the above referenced debt, please verify this debt as required by the Fair Debt collection Practice Act ( FDCPA ) I was notified by your company on XX/XX/XXXX regarding an alleged debt I have reason to believe I do not owe the amount you claimed because since this loan had been transferring since XX/XX/XXXX from several lenders ; I had been overcharging ; this loan had been transfer to three different service ( including XX/XX/XXXX ) since the time I purchase this property for the amount of {$270000.00} ; Back on XX/XX/XXXX I owed the amount {$230000.00} and balance had been increased drastically ; there is an error on the balance charged. See enclosed documentation with correct amount owed for this loan. Need correction be made ; also I had made payment for the amount of {$1500.00} for the month of XX/XX/XXXX on XX/XX/XXXX. All my payment had been on time. Enclosed proof of payment and copy of escrow forXX/XX/XXXX ; If I need to hired a lawyer and had the court review my case I will had not problem. I am very frustrated the lenders had overcharging me for an amount I do not owed. I need your help to resolved erroneous information that had been dealing for too long. 
I request all of the following information be provided to me by mail : 1- Proof of my agreement to pay the original creditor.
2- A copy of the final Account Statement issue by the original creditor.
3- A Break down of the total amount due, showing principal, interest, and other charged, and 4- For all other charges ; the date of and basis for each charge. 
5- The full name and mailing address of the original creditor for this alleged debt ; 6- Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 7.-Documentation showing you are licensed to collect debts in Florida Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged erroneous amount and made the correction as necessary. 
Under the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, 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 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. 

15 U.S.C. 1681s-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 2019-11-20
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a dispute in writing to RBFCU on XX/XX/16. I have not received a follow up to the dispute and contacted them via phone to discuss and have not been told anything. 

I called again today to see if they would reverse late fees on my account since I don't feel as if I was properly notified of the status of my account and that I believed an error in auto draft settings caused the issue. The RBFCU agent advised that they are not liable for system issues since I was auto-drafting from another bank and that they don't recommend auto-draft. I should be able to trust that banks will err on the consumer side when these issues arise. 

I also sent my dispute in writing and was told I had to send it through another method for it to be addressed instead of them forwarding the message along. This caused additional delays in getting this issue resolved. 

I believe RBFCU corporate is intentionally refraining from notifying customers of accounts with auto-pay issues because they profit from the late fees. Then they make the phone reps tell customers the company has no ability to manage the auto pay for the accounts they manage.

Company response to consumer: Closed with explanation