BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-11
Company: EQUIFAX, INC.
State: AZ
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:
I have inaccurate information on my credit report. I contacted the creditors and credit bureaus and they have not responded within the 30 day time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Affirm Holdings, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX issued emails identifying 'past due ' report by Affirm. Also received emails from Affirm of past due account. Called Affirm XXXX times ( XXXX ). Results on the first XXXX calls ( XXXX and XXXX ) were that the account number ending in XXXX as well as loan XXXX XXXXXXXX were not valid Affirm accounts. Third call resulted in XXXX finding an account under my email with a different phone number and address. She initiated a fraud alert responsibly. 

I have opened a id theft case with my XXXX XXXX XXXX 's office as well as engaged XXXX to dispute the credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX AmeriSave mortgage pulled a soft credit report on me without my consent. I called and confronted AmeriSave about this. I spoke to XXXX XXXX XXXX XXXX XXXX XXXX she said '' The XXXX XXXX contacted them and told them I wanted to refinance. I requested for refinance in XX/XX/XXXX. AmeriSave did a soft pull of my credit on XX/XX/XXXX I was denied because of my low credit score. I did not give The XXXX XXXX or AmeriSave permission this year to pull my credit. Yet, on XX/XX/XXXX AmeriSave did a soft pull on my credit. AmeriSave and XXXX XXXX XXXX receive an equity loan check on my house in the amount of {$38000.00} someone forged my name and my wife 's name on the check. The XXXX XXXX applied to the principal or so they allege.

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 2023-09-23
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the inclusion of inaccurate public information on my credit report, specifically regarding a bankruptcy account with the account number 2040288. I believe that this information is in violation of federal law, as outlined in 15 USC 1681.

Upon reviewing my credit report, I noticed that the bankruptcy account mentioned above is listed, and it is inaccurately reported..

I kindly request that you investigate this matter thoroughly and take the necessary steps to rectify the inaccuracies promptly. As per my understanding of the Fair Credit Reporting Act ( FCRA ), it is crucial that information on credit reports is both accurate and fair. The inclusion of false bankruptcy information is not only damaging to my creditworthiness but also a violation of my rights under federal law. 

I request the immediate removal of the erroneous XXXX  account ( Account XXXX XXXXXXXX ) from my credit report. I trust that your agency will conduct a comprehensive investigation into this matter to ensure that my credit report accurately reflects my financial history. 

I am prepared to provide any supporting documentation or evidence that may be necessary for your investigation. Please feel free to reach out to me if you require any additional information.

I want to express my appreciation for your attention to this matter. Accurate credit reporting is vital to maintaining one 's financial standing, and I am confident that your agency will handle this dispute with the thoroughness and expertise it deserves. 

Thank you for your prompt attention to this issue, and I look forward to a resolution in a timely manner.

Sincerely,

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 2021-04-23
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: Account information incorrect

Complaint:
XXXX is posting fraudulent information on my account. The missed payments is hurting my credit, and I want the account to be removed. Equifax is the only bureau that has this on my account. XXXX and XXXX did their investigation and deleted it. The account was paid off in XX/XX/XXXX by XXXX XXXX ( XXXX ). XXXX can't provide proof of all of my previous payments. They reopen my account to make it seems like I am making payments. Please help me to remove this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
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:
I HAVE ATTEMPTED ON SEVERAL OCCASIONS, TO REMOVE THE FOLLOWING ACCOUNT, WHICH IS CURRENTLY REPORTING NEGATIVELY ON MY CREDIT REPORT : XXXX ( XXXX ). THIS ACCOUNT DOES NOT BELONG TO ME, I CAN NOT EXPRESS THE AMOUNT OF CONCERN I HAVE AS TO WHY EQUIFAX HAS NOT BEEN ABLE TO REMOVE THE ACCOUNT OFF OF MY CREDIT REPORT. THEY HAVE NOT BEEN ABLE TO CORRECT THE ERROR WHICH HAS CAUSED THE HEALTH OF MY CREDIT SCORES TO OVERALL DETERIORATE. PLEASE ASSIST ME WITH THIS MATTER, AND REMOVE THE ACCOUNT COMPLETE. I'D GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was in a XXXX XXXX mortgage forbarece from approximately XXXX of XXXX to XXXX of XXXX paying approximately {$1700.00} monyhly prior to the forbarence. In or about and I was making payments to the lender to XXXX of XXXX I began making payments to the lender in different amounts to keep my loan as current as possible. When my finances began to improve in or about XXXX of XXXX I was informed that I could no longer remain under forebearanc. At that poit he lender stop accepting my payments and keep attempting to force me to agree to repayments options that are designed for me to fail. The option that they keep attempting to force me to accept is to pay {$6000.00} in an upfront lump sum and {$3200.00} per month for 12 months. Or to take all of the past due payments and put them back into the load with a more than 1.75 % interest rate increase. They keep insisting that there is no other options. I spoke with representatives of my banking institution and they informed me that my servicer may be in violation of the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EGL US, LLC
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
BMG MONEY REFUSE TO UPDATE MY CREDIT REPORT I BEEN MAKING PAYMENT ON TIME AND THEY WILL NOT UPDATE. I STARTED WITH THIS COMPANY ON XXXX XXXX NOW 4 MONTH LATER I M STILL OLD THEM XXXX. SO THEY ARE TAKING MY ALLOTMENT XXXX BUT NOT APPLY TO CREDIT REPORTING AGENCY. I PULL THESE DUCUMENT FROM THERE WEBSITE WHERE THE PAYMENT ARE APPLY ON THERE WEBSITE BUT NOT TO THE CREDIT REPORT AGENCY. MY BALANCE WENT UP XXXX DOLLARS LIKE I M NOT MAKING PAYMENT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: LEXISNEXIS
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 looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  # XXXXthe dates wereXX/XX/XXXX alsomy XX/XX/XXXX # XXXX the dates were XXXX, and last XX/XX/XXXX # XXXX the dates were XX/XX/XXXX my income was affected due to the COVID-19 Pandemicshut down. 
I am in the middle of moving and this alate mark is preventing me from moving into a new apt . 
I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations. 
I have an unverified account from XX/XX/XXXX # XXXX I have never done any type of business with this company please delete this account at once!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I sent a request to Capital One and all my credit card companies in regard to a hardship. I have increased medical bills due to my son being diagnosed with a XXXX XXXX condition. XXXXXXXX XXXX and XXXX immediately put me on a hardship program that they advised was offered by XXXX XXXX It permanently closed the account and put me on a 60 month repayment program with 0 % interest. However, XXXX XXXX and Capital One refuse to work with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Express Recovery Services, Inc.
State: UT
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:
Express Recovery is reporting several debts on my credit file on my account as well as my wife 's and I would like them removed. I have settled these debts with you and ask that you please remove these accounts from my credit file. As granted by the Fair Debt Collection Practices Act, I have the right to dispute this account. 
I am aware that your company has the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt with you and am now asking for you to provide a letter to the bureaus stating this account should be removed from my credit file. 
Please provide a letter from your company agreeing to the terms. This letter should be signed by an authorized agent of Express Recovery. If I do not receive a deletion letter in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under to the law to enforce the removal, including but not limited to institution of legal proceedings against you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MT
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:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by First Interstate Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I hold two credit cards with Capital One. One card ends in XXXX and the other ends in XXXX. On XX/XX/2020, my bank transferred to Capital One a payment of {$800.00} towards the balance of the card ending in XXXX. The payment was misapplied and credited towards the card in XXXX. This caused a series of events to include ; 1 ) 47 point drop of my XXXX score, 2 ) late past due fees 3 ) additional interest charges to exceed {$100.00}. 
4 ) Multiple calls to Capital One met with polite condescending answers and no reversal of their actions toward the misapplied payment being placed in the correct account that was due payment and removal of the penalty charges. 

This has negatively impacted my credit score by 47 points and affected my ability to refinance my home especially now with COVID. Further, the due date of payment assigned- the eighth of each month, will ALWAYS make my payments at Capital One late because my bank takes a day or two to transfer the funds. I told a Capital One rep of that problem and their response was OPEN A CAPITAL ONE bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: GA
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:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the 3 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 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 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 non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: TX
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:
This is my numerous request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 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

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 2023-01-15
Company: Experian Information Solutions Inc.
State: TN
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:
I noticed that Experian is reporting my Experience with XXXX XXXX, XXXX XXXX, XXXX Card and me. The balance I have with XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX Card and me is characterized as utilization on my consumer report Experian is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transactions or Experiences between consumer XXXX XXXX and the person XXXX  XXXX, XXXX XXXX XXXX XXXX Card that is Making the report is NOT INCLUDED ON MY Consumer Report XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX Card has attempted to remove the balance section. Experian keep putting the balance back on my consumer report

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 2023-10-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27
Company: Experian Information Solutions Inc.
State: TX
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 breach caused my ftc violation XXXX XXXX 2 accounts XXXX XXXX sent the police report with all ftc violation j

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 2023-06-13
Company: EQUIFAX, INC.
State: OK
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 am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX XXXX XXXX XXXX XXXXXXXX contract that ended. I returned the equipment to XXXX XXXX XXXX using XXXX. XX/XX/XXXX - Each piece of equipment was scanned by XXXX and packed up for shipment. A few months went by and XXXX XXXX XXXX sent the account to collections. Around XXXX I called them and asked why they had it in collections when I had sent the equipment back months ago. 

They told me due to covid they were short staffed and returns were taking longer to process. They escalated the case and later stated that the equipment was found and they would correct the collections report. Months later it was sold to a collections agency. 

Im drained from fighting with these corporations it seems there is no way to win other than paying for equipment THAT I ALREADY RETURNED. Please help me! I can not afford to pay {$530.00} nor should I have to since I fulfilled the contract agreement. COVID shouldnt be an excuse to take my money

Company response to consumer: Closed with explanation