BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: EQUIFAX, INC.
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:
You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. 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 5 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 items 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? I want you to be responsive and REPAIR this account that caused me so much trauma. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I didn't receive a 1098 for a home I sold last year in early XXXX. Apparently they sent it to the address of the home, where I haven't lived in almost a year. I contacted them on XX/XX/XXXX of this year to ask for a 1098 to be sent to my new address. I couldn't download it from the website nor did I wish to do so as it would require trying to set up a password and other things. Today they told me that it had gone out on XX/XX/XXXX and should be at my new address by now. They have refused to expedite a replacement and will only send it out again via snail mail. It has now been over a week since it was sent and I need to get my taxes done. What can be done about this?

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 2022-11-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: Experian Information Solutions 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:
the information that is being furnished by the credit bureaus are against the law per 16 usc 1681b and 1666b. 
the items were dure to identity fraud and theft.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: WA
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 have an installment equipment loan with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.

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 2022-03-05
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, I am XXXX XXXX I have recently checked my credit report and I am seeing activity that I do not recognize or authorize. Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining credit, money, property, labor, or services on credit ''. Notice Congress said ANY card. The credit card is my social security card. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my credit report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.

Pursuant 28 1746 Unsworn Declaration under Penalty of Perjury Signed : XXXX XXXX, XXXX XXXX, Beneficiary without recourse UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, 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: Account status incorrect

Complaint:
When I apply for a credit card or credit services I am denied because I'm told that I have accounts seriously delinquent. My account status shows 100 % payment history in all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

XXXX XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. 30 days should be enough time to investigate and delete. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to.

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: Atlanticus Services Corporation
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Verification of Charge-Off and 1099-C for acount # Dear AspireXXXX, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the reference number [ Your Account Number ]. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. 

Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question.

2. Details regarding the amount of the charge-off.

3. The date on which the charge-off was officially recorded.

Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. 

If your company doesn't have these documents requested for deletion from all major credit reporting agencies immediately within 3 business days. 

If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 

Thank you for your cooperation in providing the necessary documentation for this verification process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: LA
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:
Account number - XXXX Account name - XXXX XXXX closed and copies of of all three credit reporting agencies all reporting Information on the same account that is different and inaccurate such as payment history, balance due, status, late payment date. On my credit report which has violated my rights under 15 us code 1681 A, B, C. 
I Request within 30 days the verification an the means in witch this information and payment history was validated this debt with in the allotted time or have this deb t removed on the grounds that this information is inaccurate, and in paragraph 2 of this titled exclusions and sub paragraph State that transactions are not included in the consumer report. I request that all late payment history be removed or this account be removed of the credit report. I request all the ways that the account was verified as correct

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 2023-07-22
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to check on and remove a previous security freeze with Experian. I have been caught in an endless loop on their website and phone. When I go to the security freeze website, it tells me to create an account. Since I already did, I click log in instead. When I log in, the security freeze website only provides the option to request a credit report. When I followed those steps, thinking it might lead to the ability to update my freeze, it tells me I already have an account and to log in with that account instead. When I log in with that account instead, it tells me to request a credit report. When I try to go directly to the freeze site ( Experian.com/freeze ), it tells me I can manage my freezes by creating a free account. When I try to create a free account, it tells me that I already have one and to use that instead. When I try to use that account, I log in and it tells me to request a credit report. 

I have tried calling them, but their answering service puts you through another endless loop of telling you to use their website to manage your freezes, and does not provide an option to speak with a person. When you ask to speak with a person, it tells you that you can not, but you can manage your credit freeze on their website. 

I have tried multiple browsers with the same results. I am not able to manage a credit freeze, and the loop I am put through on both the phone and the website appear intentionally designed to prevent the management of credit freezes.

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 2020-07-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, WellsFargo bank approved my request to suspend mortgage payment for 3 months due to COVID-19 hardship at no interest and no credit missing payment report. My principal balance then was {$290000.00} and continued to the same until XX/XX/2020. 

On XX/XX/2020, I submitted a request to continue payment starting XX/XX/2020, and defer the missed 3 payment until the end of the mortgage period, again no interest. I had no reply to that request. 

On XX/XX/2020, I paid {$2100.00} for the XXXX payment on time. 

On XX/XX/2020, and after I continued to pay, I found an amount of {$5400.00} added under a category named " Unpaid Secondary Principal Balance '', and my total mortgage principal balance has gone up to {$300000.00} from {$290000.00} at payment suspension. 

I called the bank on XX/XX/2020, to ask why my principal balance increased. They said it was to compensate for the missed payments! I told them that didn't make any sense, they insisted that the amount was added to compensate for the missed payments. I asked to file a complaint and escalate the issue, they told me I will get a reply within 24 hours and I haven't got any reply yet. 

On XX/XX/2020, I called again and no one answered. 

I am attaching the loan statement sent to me by the bank on XX/XX/2020, highlighting the added amount. 

Now not only I have to pay my missed payments, but I have to pay {$5400.00} on top of that!!

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 2023-09-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX XXXX  I received an EMAIL from Credencecerm.com stating they previously sent me a letter regarding a delinquent balance due for XXXX, XXXX. I do not have any knowledge of this company, nor do they have permission to infringe on my privacy by contacting me by way of an email address that I may or may not monitor. 

I replied to their email as follows : Credence Resource Management , LLC You do NOT have my permission to contact me via email. This is an infringement on my right to privacy as I have no agreement with or obligation to you. 

This is to inform you that I dispute the entirety of the validity of the alleged debt and to inform you to cease and desist all contact with me ( including spouse and family members ) from all media sources other than the US Postal Services and that is if, and only if, it is : - To provide documents to validate the alleged debt. Include all official, certified, unredacted forward flow documents and alleged original creditor information. 

- To provide proof that I have any legal obligation to pay you. 

- To inform me that you have XXXX this alleged debt and disassociated it from me. 

- To inform me that you have removed all references to the account from all credit reporting agencies and that you have informed them to delete same. 

- To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector. 

- To inform me that you have issued the settled civil and/or statutory financial remedy that is to be determined. 

I will also grant them permission to contact me, via USPS to inform me that my XXXX services have been completely restored. 

Please note : On XX/XX/XXXX I filed complaint # XXXX against XXXX for false statements or representation. I also contacted them and was on the phone with their reps for more than an hour waiting to speak to someone in management, at which point I was informed I would get a return phone call within 24 to 48 hours ; its been months and I have not heard from anyone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND THEZE FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX 3 LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ 571 Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

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

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-06-04
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is reporting inaccurate information on my credit profile I did not make the charge I've asked Experian to do an investigation into the fraudulent account but they continue to report fraudulent and inaccurate information on my credit profile

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 2023-11-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

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