BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: OPORTUN FINANCIAL CORPORATION
State: NY
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have lived overseas XXXX XXXX XXXX for 15 years. I am trying to access my credit report online, but none of the companies are capable of understanding XXXX  addresses. Annual Credit Report needs XXXX addresses. Hard to provide when I haven't set foot in the XXXX since 2018. Equifax needs zip codes - don't have them here. XXXX doesn't want to even deal with XXXX  XXXX addresses. XXXX  just sends you to AnnualCreditReport.com, so more of the same. 

If you try to tell me that I can just request my report by mail, please understand I am not interested in mailing personal financial information at a significant cost to myself, XXXX, the free annual credit report is not free.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: Albert Corporation
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I took out a loan for {$35.00}. XXXX said it was due in XXXX. They charged my XXXX yesterday. I never received any record of this due date. My SSDI payday is clearly the XXXX of every month, as their AI should have identified. They charged me early and are trying to overdraw my account. Their business must be closed at once.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Shellpoint Partners, LLC
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: Account information incorrect

Complaint:
With COVID uncertainty I requested a forebearance with Shellpoint Mortgage just in case I needed it, however, during the forebearance period XXXX to XX/XX/2020, I NEVER paid 30 days late. 

Consequently, I am selling my house and it is closing XX/XX/2020. To buy another home, XXXX XXXX  pulled my credit for a mortgage and I was shocked to find : Shellpoint notating forebearance negatively, despite this being formally cancelled by me. 
Shellpoint reporting {$0.00} payment during the forebearance which is NOT accurate, I have paid each month mortgage XXXX, XXXX and XX/XX/2020. 

As part of the CARES act it is illegal for a lender to negatively report forebearance due to COVID. Shellpoint is both negatively listing forebearance even though I NEVER paid 30 days late AND i cancelled this is NEGATIVELY affecting my ability to be approved for another mortgage. Shellpoint is also INCORRECTLY reporting NO PAYMENT from XXXX to XXXX instead of noting PAYING AS AGREED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I rent my accessed my credit profiles and discovered accounts, addresses, and telephone numbers not related to me.

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 2020-06-15
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 status incorrect

Complaint:
I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX  and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
Company: EQUIFAX, INC.
State: WV
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:
After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and negatively impacting my credit score. This information is not information relating to any transaction by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a XXXX  XXXX Bankruptcy for 5 years. My Bankruptcy was XXXX on XX/XX/XXXX. I satisfied all my delinquent payments with Third Federal. I called Third Federal toward the beginning of XX/XX/XXXX ( I cant remember the exact date ), to request online access to start making my mortgage payments. The representative stated that I would not be able to have online access to my account due to my bankruptcy. I explained that my bankruptcy has been XXXX. She explained that because I had a bankruptcy I would never be able to access my account online, and that it was Third Federals policy. 
I can understand not being able to have access to your account online while in an ACTIVE bankruptcy, but I don't understand why I wouldn't be able to have access after it has XXXX. 
This practice is bias and prejudice. I completed my bankruptcy, I am current on my payments. I should be afforded the same conveniences as other customers. Third Federal should not be permitted to make it harder for me to make my payments. I should not be forced to go into a branch, especially during a pandemic, or use a break or my lunch at work, to make a call. I should be able to pay my mortgage online like I pay all my other bills. I should not be discriminated against because I fell on hard times and had to file a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 investigate the unverifiable items and update them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

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 2022-07-21
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2022 I showed up at the branch located at UNION BANK  XXXX XXXX XXXX XXXX, CA. XXXX. I had an appointment scheduled at XXXX XXXX, I arrived at XXXX XXXX When I sat with the personal banker, she began the process of opening an account. I provided all forms of Identification and a name change decree, provided by XXXX XXXX XXXX. The representative refused to open the account in my LEGAL name because my new Identification cards had not arrived in the mail. I continued to ask her to please refer to the legal document and use my legal and birth name. I even offered to show her my birth certificate which matched the name change decree, but she continued to refuse. I agreed to open the checking and savings account in my former last name. About 30 minutes later, she informed me that she was unable to open the account. I asked her why and her response was, " I don't know, it just denied it. '' I continued to ask her to provide me with a reason as to why I was denied and she refused. I left the bank and called my lawyer. He informed me that they are legally required to tell me what is preventing the account from opening. I returned to the bank and requested another representative tell me why I couldn't be approved. She refused to tell me as well. She handed me a paper with the XXXX phone number on it and suggested I call. I explained to her that I had already called them and couldn't find any information as to why I was denied. I asked to speak to a supervisor and she said there were none in the bank. I left.

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 2022-11-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please delete the late payment from this account : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Byrider Franchising, LLC
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: Information belongs to someone else

Complaint:
XXXX and this company " XXXX  XXXX " both are reporting a fraudulent account on my credit report that doesn't belong to me as a result of identity theft. I tried disputing it multiple times on XX/XX/XXXX and XX/XX/XXXX with XXXX, and it was verified. Also, I proceeded contacting the company directly on XX/XX/XXXX with the information XXXX and XXXX supplied, and the United States Postal Services returned the letter stating, RETURN TO SENDER/MOVED LEFT NO  ADDRESS/UNABLE TO FORWARD. Therefore, it's no way XXXX  had properly did their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So i lost my wallet back in 2012, sadly i had my SS card in it along with my ID. i was currently still under my mothers phone plan so i didn't try to get a phone in my own name but a few years down i tried to go on my own and they said i got denied no telling me at the time nor did i really look into why. So recently i had XXXX XXXX  help me out with my credit and they let me know all these collections on my credit from all these phone companies were in my collections so i let them know about what happen and they said they sent letters to the collection agency that had this collection and they did remove one of the collections on my credit but its a total of 5 accounts through out my 3 credit bureaus that is posted for collections and i feel that all of them should be removed completely because none of them are mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: NAM National Arbitration and Mediation
State: CA
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:
I received a phone call that said a debtor was on the way to the courthouse to file a judgement against me. I needed to call them back immediately at XXXX to prevent them from garnishing my wages and seizing my bank bank accounts. They would not give me any other information on the debt, company trying to sue me, or anything else except a case number I called the XXXX number and someone immediately picked up and asked for the case number. 
They stated they were XXXX XXXX and they had been assigned this case by the attorneys. 
I told them the case number and they said that the same information. 
That they would be filing a lawsuit in a couple hours if I didn't immediately settle the debt with them. 
I asked what the debt was. They stated that it was a account from over 15 years ago. I questioned the legitimacy of the account. They than said that they notified me by mail recently ( which i did not receive ). They than said they would send another letter to me. 

This was suspicious because of the previous call ( and this one ) saying they were on the way to file a lawsuit. 

They provided Two addresses in the letter I received from them today. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is a XXXX XXXX at a Mail and More store. and where they want payments or dispute forms sent. 

XXXX XXXX XXXX XXXX # XXXX. XXXX CA XXXX This is the US Post Office branch XXXX XXXX . 

The state corporation website does not have a listing for XXXX XXXX in XXXX CA. 
The city of XXXX also does not list XXXX XXXX as a business at either of those two locations. 

There is a company listed by the state called XXXX XXXX XXXX, XXXX. 
Entity number XXXX listed as XXXX XXXX. 

This company has XXXX XXXX XXXX XXXX XXXX XXXX listed as the Mailing address. 
( same as XXXX XXXX. ) XXXX XXXX XXXX, XXXX was involved in a lawsuit in NY XXXX District Court. 
case number XXXX. 

I have not contacted them again due o the fact that they gave me XXXX XXXX 's as a business address, The actual business name is in question, and might not even be currently licensed in the state of California, and primarily because the first contact from them was saying that they were on the way to the courthouse to file a lawsuit unless I settled with them over the phone for a old questionable debt.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent a letter on XX/XX/XXXX, requesting the credit bureaus to remove accounts and Inquiries I found on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit reporting Agencies, you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please take a look at the following items you are reporting on my Credit File and have them removed as soon as possible : XXXXXXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance XXXX {$380.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance XXXX {$29.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$440.00XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX. If you believe that the disputed items belong to me, I will be requiring you to please send me copies of proof of verification or proof of ownership to support such claims. In the absence of such documents, I will greatly appreciate you removing the disputed items off of my Credit File as soon as possible.

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 2020-02-06
Company: Second Round Limited Partnership, Austin, TX Branch
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) (  E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Company response to consumer: Closed with explanation