BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NV
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 am writing to file a formal complaint and dispute regarding inaccurate information on my credit report as provided by Equifax. Despite my initial contact with Equifax on XX/XX/XXXX, I have not received a response to date. As per the guidelines outlined by the Fair Credit Reporting Act, I request your assistance in addressing this matter. 


The following discrepancies and required corrections pertain to my credit report : Account Name : XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$3600.00} I dispute the accuracy of the information provided for the aforementioned account. The reported balance of {$3600.00} is higher than what I recall. I request the removal of the amount indicated in the " Past Due '' section, as this account has a closed and charged-off status. I intend to communicate with the creditor responsible for this account to resolve any discrepancies in the reported data. Until the appropriate corrections are made, I kindly request that this account be marked as disputed. 

Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} Your agency has reported inaccurate information regarding the account mentioned above. The account is incorrectly associated with the company you have indicated, XXXX  XXXX, while my original creditor is XXXX XXXX XXXX XXXX, an entirely different entity. I have not entered into any contractual agreement with XXXX XXXX XXXX, nor have I ever been contacted by them. Furthermore, the reported balance of {$450.00} does not align with my recollection. In light of these inaccuracies, I am disputing the entire account and request verification of the " Date Opened '' and " Date of First Delinquency. '' Account Name : XXXX - XXXX XXXX Date Opened : XXXX. XXXX, XXXX Highest Balance : {$22000.00} I assert that the aforementioned account was never late. The reported information is inaccurate, and I request that you correct/update this on my credit report accordingly. 

Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Highest Balance : {$25000.00} The account indicated above was never late. I dispute the accuracy of the reported information and kindly request that you correct/update it on my credit report. 

Account Name : XXXX XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$310.00} I confirm that the account specified above was never late. The reported information is incorrect, and I request that you correct/update it on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: BQ & Associates, P.C., L.L.O.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the company, XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was trying to move forward with a rental application when I was denied based on my credit score. This prompted me to purchase the XXXX credit reporting app so that I could see what was going on with my credit. It was then that I saw several unknown delinquent accounts that do not belong to me. Which is why I am doing this Identity theft report. the following accounts are fraudulent : XXXX XXXX XXXX XXXXXXXX Amount {$230.00} XXXX XXXX XXXXXXXX Amount {$830.00} XXXX XXXX XXXX XXXXXXXX Please help me remove these fraudulent accounts so that I can have a peace of mind, and move forward with my life.

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 2022-04-19
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: Information belongs to someone else

Complaint:
I was review my credit report yesterday XX/XX/2022 and found a bunch of inquiries that I did not apply for. I reached out to the 3 credit bureaus, XXXX, XXXX and TransUnion. Also I tried to format a FTC affidavit and it redirected me to the cfpb. I want to apply for credit and the underwriter informed me that these inquiries are hurting my chances of getting approved

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 2020-05-29
Company: Experian Information Solutions Inc.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
DEPTEDNELNETXXXX {$3500.00}

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 explanation
Consumer complaint received 2023-06-23
Company: HW Holding, 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: Account information incorrect

Complaint:
HUNTER WARFIELD is currently reporting on all three major consumer reporting bureaus that I owe their company {$4700.00}. Reporting started on XX/XX/2022 and is currently still active. I've sent them written notice in which I haven't received a response. I don't know who this company is nor do I do I have any documentation with my signature nor verbal agreement with this company, so I have no contractual agreement with this company. I demand this be removed from consumer report immediately. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is XXXX 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 2022-12-05
Company: EQUIFAX, INC.
State: OH
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 was trying to move forward with a rental application when I was denied based on my credit score. This prompted me to purchase the XXXX credit reporting app so that I could see what was going on with my credit. It was then that I saw several unknown delinquent accounts that do not belong to me. Which is why I am doing this Identity theft report. the following accounts are fraudulent : XXXX XXXX XXXX XXXXXXXX Amount {$230.00} XXXX XXXX XXXXXXXX Amount {$830.00} XXXX XXXX XXXX XXXXXXXX Please help me remove these fraudulent accounts so that I can have a peace of mind, and move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: NC
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
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXXederal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00}

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 2021-09-23
Company: NAVY FEDERAL CREDIT UNION
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2021, Navy Federal Credit Union failed to reverse my loan payment in the amount of {$280.00}, and stole the money out of my account without my authorization. I spoke to XXXX from XXXX and she refused to return my money. She then told me to hold on and will get a supervisor to talk to me about the issue. 
XXXX was a nasty supervisor who refused to reverse my money that Navy Federal Credit Union stole and instead hung up on me. I told her that I only had {$42.00} in my account and she didn't care. She said, that my loan was delinquent which was 1 day late. I didn't set up any activity to pay the loan and did not authorized Navy Federal Credit Union to deduct my money from XXXX XXXX XXXX. I will remove my XXXX XXXX XXXX checking account from XXXX XXXX XXXX. 
Prior to that, XXXX told me to write a letter requesting that my money be refunded. 
Navy Federal Credit Union has nasty employees and Supervisors like XXXX. I am a XXXX veteran and never been treated like that. 
In addition, I called and spoke to XXXX of the customer representation to pay the amount of {$83.00} towards that loan only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were impacted by XXXX and struggled to pay our mortgage. Within 30 days of default, we contacted the loan servicer to help with XXXX, maybe 2 months of forbearance. The company purposely delayed the process by more than 90 days by stating that they were missing documents, even though we had email and fax proof that those documents were sent and received timely. Furthermore, they were not willing to speak with us over the phone and insisted that the only way to resolve the issue was to schedule an appointment with the Relationship Manager. Those appointments were made out over 30 days, yet the relationship manager did not appear for those scheduled calls. Once we realized that they were circumventing the process to purposely delay the process, we began making payments, but they refused those payments- causing us to fall further behind. 

Finally, they submitted a modification denial letter stating that we were more than 90 days behind on making our payments, yet we were only behind because they failed to review the process in a timely manner. Furthermore, they used incorrect values in the net present value computation. Even though we provided certified appraisals that discredited their " drive-by '' valuation, they still refused to review documentation timely, if at all. 

They often kept us on hold for up to XXXX hours, then would disconnect the call, refused to speak with us over the phone, insisted on scheduled appointments that were more than 30 days out, and led us down a path of despair and a deliberate nightmare to refuse to negotiate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX, XXXX XXXX XXXX, Synchrony Bank, XXXX XXXXXXXX XXXX. Has reported inaccurate and illegal information to my XXXX credit file. I have never agreed to or given permission to any of these companies to share, report or use my personal information in any form. They have use my information to report inaccurate debt and balances.

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 2022-01-13
Company: EQUIFAX, 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:
I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! This information is fraudulent and I want it investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: EQUIFAX, INC.
State: GA
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:
Be advised this is the second request asking to removed unverified accounts that remain on my credit report in violation of 15 U.C.C 1681.  In the results of your the first re-investigation it was stated that it was " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts??? Not something that was " Electronically '' submitted to you. DOCUMENTS. Also what is the name of the person IN YOUR COMPANY who verified these accounts??? What this means is someone in this company must be willing to be able to produce in your files that proves the account ( s ) in dispute belong to me and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ) under oath and under the penalty of perjury.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I'v been charged extra tax on my device alone on my XXXX order XXXX Each item has a break down of taxpre shown on my FIRST STATEMENT but everything was apart of a bundle and purchased in ONE TRANSACTION. These items were apart of a pre-order promo for the XXXX XXXX XXXX  XXXX. I used XXXX financing that's backed by XXXX Bank to make the purchase, tax is 6 % where i reside. According to my statement the balance before taxes was {$1000.00}. I was charged an extra {$60.00} in taxes for taxes my phone ALONE it shows {$740.00} and i was charged {$100.00} in taxes for it. At 6 % sales tax my total balance that i should owe is {$1000.00} not {$1100.00}. My buds and watch were taxed correctly at 6 %. My transaction summary on XXXX shows {$1100.00} vs my TD statement of {$1100.00} a difference of {$12.00}. A statement and transaction summary/receipt should have the same amount of charges no more, no less. I'm pretty for sure people aren't catching on to these extra charges being added to the statement. I wasn't born yesterday {$740.00} doesn't equate to {$100.00} in taxes. Being charged extra is not what i agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: AL
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 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 n 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 im XXXX  now.with no help.

Company response to consumer: Closed with explanation