BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-23
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:
Equifax refuse to investigate and remove a 3rd party collection agency incorrect information on my credit report. I have no knowledge of this of this agency XXXX XXXX. I have NO CONTRACT OR SIGN A CONTRACT WITH THIS 3rd party COLLECTION AGENCY. I have disputed this fraudulent information 4 times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Equifax will not remove this 3rd party NO CONTRACT debt. After disputing the fraudulent charged Equifax let the consumer/3rd party XXXX XXXX XXXX place a refusal to dispute on my credit report ; which states I can no longer dispute the 3rd party XXXX XXXX XXXX charge and it will remain on my credit report along with the collection agency statement for other creditors to see if i apply for credit. XXXX XXXX refuse to take any more of my complaints or disputes. The issue I have is why Equifax allow a collection agency to put a statement on my credit report to reject any of my disputes or complaints and also to let other creditors see ony credit report? This is not the law for FCRA Fair Credit Act Report guidelines. This type of action from Equifax is out of FCRA compliance requirements for a customer contesting incorrect accuracy of information on their credit report. This is the type of treatment these credit bureaus need to stop immediately. I have every right to dispute 3rd party collections NO CONTRACT fraudulent information. These 3rd party collection agencies have no right to collect a dime when a client have no contract or agreement with their business. Also, Equifax never increased my credit scores after Department of EducationXXXX informed them that over {$150000.00} school loan debts were paid in full. Equifax removed the debt, but no increased credit score. My understanding when debts are paid in full credit scores should increase. There were 25 Department of Education/XXXX loans paid in full ; however, there were no credit score increase to show loans were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Experian Information Solutions Inc.
State: NC
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:
There is an collection account on my credit report that is being reported as negative, but I paid this collection agency in full. I have never open a account with them. They brought my debt from another company. I paid the collection the collection in full but it still reports as negative. This account has been inaccurate for almost 2 years now. There is now way to have a miss payment on an account that payments where never set up. This account shows paid in XXXX 2021 but yet charged off in 2021 how is this possible. I have attached the receipt of payment from XXXX2021 Account name : XXXX XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
ON XX/XX/2023 I PAID IN FULL OWED AMOUNT OF XXXX PLUS XXXX IN PRE PENALTY FEES PLUS XXXX  APROX ON RESERVES ESCROW IN CASE THEY NEEDED THE MONEY. 

THEY HAVE NOT ISSUE A PAYOFF LETTER LIEN RELEASE ON COUNTY REFUND OF XXXX APROX ON UNPAID HO INSURANCE TO XXXX  REFUND OF XXXX XXXX PAID IN FULL ON XX/XX/2023 FOR UNDETERMINED RESERVES AND PAID BY ME DETAILS ON PAID 2023 PROPERTY TAXES ( HOW MUCH DO THEY PAID AND HOW MUCH IS PENDING )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Shellpoint Partners, LLC
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: Problem with personal statement of dispute

Complaint:
My mortgage loan was bought and sold several times within the first year of my family owning our home. This is a secondary mortgage loan. 
In XXXX, I made a payment to my previous lender based on an ACH already setup, not knowing the loan was bought by a new lender. After realizing the buyout had taken place, I checked the new lender site on XX/XX/XXXX to make a payment. I made two payments of {$48.00} ( {$96.00} total ) thinking I was making payment for XXXX and XXXX. The loan was bought out XX/XX/XXXX. I thought it started XX/XX/XXXX. 
I was never notified of a late payment in XXXX, because apparently I was only making a payment for XXXX and XXXX. I never received a phone call, email, or a letter in the mail notifying of the late notice. I now have a 30+ late notice on my credit for XX/XX/2019 for a {$50.00} secondary loan payment I was never notified about. We are in the process of re-financing our home to payoff this secondary mortgage that has been bought and sold multiple times of the last year causing a lot of confusion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: FIRST HOME MORTGAGE CORPORATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I requested and was approved for forbearance with First Home Mortgage starting XX/XX/XXXX until XX/XX/XXXX but they still processed a payment from of my checking account on XX/XX/XXXX. This payment caused my checking account to go negative and incur overdraft fees ; as a result of a depleted account automatic payments for my HOA fees, credit cards, and utilities payments were returned. I can supply bank statements upon your review. 

I've had multiple discussion with both their Customer Service and Loss Mitigation teams and was told that a refund will take 7-10 business days ; one month later and I've yet to receive the refund. 

Their incompetency, negligence, and/or outright refusal to resolve the issue has caused further financial hardship for me and I'm considering legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: WELLS FARGO & COMPANY
State: GA
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:
I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay XXXX and the XXXX man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call XXXX myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/XXXX and XX/XX/XXXX. I told Experian to investigate every piece of information on the accounts I listed below. I attached both letters from said dates. I am also attaching my most recent letter I sent out on XX/XX/XXXX. I sent all letters certified mail and have proof they received. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. They also have not sent me copies of the documents or items they use to verify these accounts. I also stated I do not consent to e-Oscar or any means of automated verification. They keep disregarding and using e-Oscar. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 


Listed Accounts : 1. XXXX XXXX XXXX XXXX Account 2. XXXX XXXX XXXX XXXX Account 3. XXXX XXXX XXXXXXXX Unverified Account 4. XXXX XXXX XXXX Account 5. XXXX XXXX XXXX  XXXX Unverified Account 6. XXXX XXXX XXXX XXXX XXXX Unverified Account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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:
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX  reports also i have already made report at XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: Seterus, Inc.
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every month on the second of each month, Seterus company calls to tell us they want their payment and how do I want to pay. We do owe them money however we have never been late on a payment and every time they call we ask them to stop calling us we are not late on our payment, I then have them verify that and ask them what is my due date and what is the grace period. Due date is XXXX of each month with a 10 grace period. I ask them are you a debt collection company they tell me yes. I tell them again please stop calling me. They continue to call my cell and my husband cell monthly if they do not have their payment on the XXXX of each month. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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:
I am a victim of identity theft and I write to dispute certain accounts in my XXXX resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit XXXX that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF COLLECTION accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX, XXXX XXXX and XXXX XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

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 2022-03-23
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
This is a two part complaint. I had a Wells Fargo account from about XXXX to XXXX. In late XX/XX/XXXX, I opened a checking account online. 
I was cheated in XXXX for {$210.00} for a dispute with merchant XXXX for a charge that was not supposed to be authorized. The card involved was XXXX. I tried previously to resolve this with Wells Fargo who was known as Wachovia at that time but the representatives were rude and unhelpful. 

For the XX/XX/XXXX checking account, I received the checking account info in the mail from Wells Fargo in early XX/XX/XXXX, and I arranged for direct deposit and although it was delayed it eventually posted to the account. However I never received the {$200.00} bonus for new customers. Also I am requesting a waiver of a {$10.00} fee that was assessed around XX/XX/XXXX since the direct deposit was delayed. 

All supporting info is available upon request. Thank you.

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 2023-08-15
Company: Experian Information Solutions 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
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: Account status incorrect

Complaint:
ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
And theyre constantly sending me mail and regards to this dad that Im not sure of it doesnt seem like it belongs to me and I basically just want it removed from my credit report at this point it seems like its harassment and I cant get in touch with him through phone or by email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-23
Company: AMCOL Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A simple look at the XXXX reviews for XXXX in XXXX SC is a fair indication of false reporting to credit bureaus. Each interaction a representative states a different date for the last payment made. The amount changes every time. There is a recorded call that they will not retrieve indicating that the debt would be removed from my report. They refuse to remove it due to recent policy changes. They also can not properly indicate to me the original amount the debt was for. Their phone number is ( XXXX ) XXXX. I have attempted and successfully gotten this debt by requesting from the bureaus, they simply report it again months later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent this company my dispute letter on XX/XX/XXXX with a detail explanation on what accounts were derogatory and needed removal. I even attached all the documents they requested as proof to assist them to run a smooth investigation on this matter : But to my surprise, this company still kept reporting these erroneous accounts. This letter is a written proof of my intent to resolve this matter and have these inaccurate accounts expunged from my report before pursuing legal action. 
For yet one last time, the following accounts are derogatory : XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$1400.00} I dont understand where the late payments are coming from, I have always paid in time. Please correct thing wrong data asap. 

XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance $ XXXX- I have never been late on this account, that data is frivolous so please delete it asap I have attached herewith the letter I sent to this company as proof of their failures to investigate and fix the errors I pointed out for reference.

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