BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-27
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
From XXXX thru XXXX of 2021, I filed a dispute with XXXX, Equifax and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 


I told the Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more According to 15 U.S.C 1681 i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2021-06-28
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XXXX of XXXX due to Covid-19, my travel business was affected. I called my servicer XXXX XXXX XXXX to request assistance. They provided a forbearance option and told me that after the forbearance period ends I would have the option to resume payment based on the information provided by the servicer. XXXX of XXXX I requested to resume payments with XXXX XXXX XXXX and they told me they transferred the loan to Fay Servicing. There was a waiting period due to transfer and I resubmitted the application for loan payment deferment and resume the monthly payments but they are saying that I should deed the property back to them. 

As Per the Care Act passed by Congress in XXXX of XXXX as a Covid relief package if a Borrower is experiencing financial hardship due to the coronavirus pandemic, the homeowner has the right to request forbearance for up to one hundred eighty days. The Borrower has the right to request for an extension for up to an additional one hundred eighty days, there will not be any additional fees, penalties, or interest added to the loan regular interest will still accrue. Other than telling the servicer that the borrower has a pandemic-related financial hardship, the borrower will not need to submit additional documentation to qualify for up to 12 months of forbearance. Upon completion of 12 months, the borrower can request to resume payment and the balance owed on the forbearance will be deferred towards the back of the loan. The monthly payment and interest will remain the same. 

Therefore I am requesting CFPB to intervene in this matter and provide a resolution based on the Cares Act of XXXX. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: EQUIFAX, INC.
State: MD
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 disputed an account with Equifax because the balance wasn't updated after I settled it and they updated the balance correctly, however, in doing that, the Date of first Delinquency was changed to the date it was charged off and not the date of first delinquency on the account. I tried calling Equifax to update it correctly based on what was on my credit report and pointed out that the first 30 day late was in XXXX or XXXX and not the date it was charged off which was XXXX. They told me to contact the company who was reporting it and I did but they would not help me at all. This is an auto account that was charged off which should come off in XXXX or XXXX of this year. Equifax will not help me or the company so I found your info and was hoping you can help me get this straight. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX ( Original Creditor : 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 2023-11-20
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020, I used the MoneyGram Money Transfer Service to send {$1000.00} ( a XXXX dollars ) to my sister bank account in XXXX. I have sent money through this company but this time was the first time I send it to a bank account XXXX XXXX XXXX. I followed the directions in their application ( personal information of the recipient ) and where it said to write the bank account number it indicates it is an eleven digit number. I had my sister 's debit card and wrote the last eleven digits of her debit card and the transaction went through. Transaction reference # XXXX. The next day I called my sister XXXX XXXX in XXXX and she told me the money didn't show in her account. On Monday XX/XX/XXXX, I called MoneyGram XXXX XXXX XXXX XXXX to let them know the issue and the person who took my concern was very polite and acknowledged it was a problem with the transaction because I have input the wrong bank account but he said he was going to correct the problem. He asked me for the account number where the money should go and I gave him XXXX 's debit card number ( 16 numbers ). He gave me the case number XXXX and told me the process was going to take 10 working days. He told if I wanted to call Moneygram to make inquiries about this transaction to refer to this case number. After the 10 working days, called my sister and she said the money wasn't there yet. On XX/XX/XXXX, I made two calls to MoneyGram to let them know the money wasn't in my sister account. I explained the situation to the two representatives who took my call and they told me MoneyGram wasn't responsible for the transaction because it showed as complete transaction and they recommended to get the money through my sister 's bank. My sister took the case to her bank XXXX and they did an investigation and they didn't find the money XXXX XXXX case # XXXX ) On XX/XX/XXXX, I called MoneyGram and let them know about the Bank investigation and gave them the case number. On XX/XX/XXXX, I called MoneyGram and let them know about the Bank investigation and gave them the case number. They told me to call them in two weeks to check the status of my case. Today XX/XX/XXXX, called MoneyGram to inquire about the case and the person who took the call told me they can't do anything about it because the transaction its complete XXXX XX/XX/XXXX ) and they can't return the money. This situation its frustrating because they promise they are going to resolve the problem and they just give me runarounds. I have worked very hard for my money to just let it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: EQUIFAX, 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:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : {$900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-20
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: Information belongs to someone else

Complaint:
I recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/2020 I have received my account paid in full letter from capital one auto. Recently I wanted to purchased something and I was denied because on all 3 credit report it shows that I still have a loan. Although I informed the manager at the company that the account was closed. I was told that because it is still on my report I got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: ID Analytics, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been checking my credit and I found a public record and some inquiries that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit 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 2023-05-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX have wrongly reported a write off negative balance of XXXX dollars for a dispute being raised for a debit card purchase. Despite of reaching XXXX via XXXX complains and also to correct wrong XXXX XXXX report XXXX is asking to pay that XXXX dollars despite of non receiving of the product and are not willing to sort this despite of multiple conversations and follow ups. And to make it even more worse XXXX has not even furnished a detailed investigation report of on what grounds the credits for the dispute were reverted back. So this needs to be escalated and would like to give XXXX last chance to XXXX to sort this out. Lets see

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 2021-06-28
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a Health Professions Student Loan ( HPSL ) with XXXX XXXXXXXX XXXX ( UAS ) as the loan servicer. 

I work as a XXXX provider at a XXXX XXXX XXXX XXXX serving low-income and underserved populations. When the COVID-19 pandemic disrupted and halted XXXX XXXX I along with many colleagues were forced to reduce our hours and consequently income. According to the Department of Health and Human Services ( HHS ) and the CARES Act, which was initially passed on XX/XX/XXXX and has now been extended until XX/XX/XXXX, monthly payments and interests for federally associated student loans, including HPSL, are suspended. 

During the permissible time period, my HPSL servicer XXXX XXXXXXXX XXXX failed to comply with the provisions under the CARES Act. UAS continued to charge monthly payments. Furthermore, they continued to assess interests on a monthly basis as well as various fees ( please see attached statements of the most recent four months from XX/XX/XXXX to XX/XX/XXXX as examples XXXX. The largest fee {$8300.00} is incurred as a result of the collections agency XXXX XXXX. 

The most egregious action is that XXXX sent my HPSL to the collections agency XXXX XXXX in XX/XX/XXXX. I did not receive any communication from XXXX prior to this action being taken. In fact, I was only made aware that this had happened when the collections agency called me on XX/XX/XXXX to ask for payment. XXXX XXXX requested payment of the loan amount of {$37000.00} XXXX including fees and interest ) to be paid in full by XX/XX/XXXX. Understandably, this is not feasible financially. 

As a result of XXXX 's non-compliance with the CARES Act, I have suffered mental and emotional stress of the negative impact of this financial damage. The interests and fees my loan incurred during this time period are substantial, making my new total balance ( {$37000.00} ) almost equal to the original loan balance ( {$40000.00} ). I feel like I have to repay this loan all over again and will not be able to make any progress in my financial situation. 

I do not deny the loan and intend to fulfill my obligation to pay it. However, I am simply requesting UAS and XXXX XXXX to remedy the situation by : 1 ) retroactively removing all charges, including all interests and fees, incurred since XX/XX/XXXX as provided by the CARES Act 2 ) taking my loan out of the collections agency and into standard repayment status afforded by the CARES Act 3 ) ceasing any and all activities that may damage my credit score, including reporting to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
-Contacted XXXX XXXX about an order on XX/XX/2023 that was delivered by XXXX  but was sent a picture of it delivered to another doorstep clearly not my address. Order was for {$190.00} XXXXUpon contacting XXXX XXXX, they reccomended I contact American Express to dispute it so that I can get my money back -Provided Amex all documentation, but they keep telling me that it was delivered and they can't use the picture that it was delivered to some random doorstep as proof (??? ). 

Amex account # / Reference # : Account Ending In XXXX Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: MO
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'm demanding that these unauthorized fraudulent accounts be removed from my credit file. The following accounts I have never did any business with. They do not have the right to harass me by reporting these fraudulent accounts on my files. I'm asking that they be removed. 

1. XXXX  XXXX XXXX {$180.00} 2. XXXX, XXXX {$170.00} 3. XXXX, XXXX {$810.00} 4. XXXX, XXXX {$570.00} 5. XXXX XXXX  XXXX {$180.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 5 duplicated accounts from the same company due to a transfer in which the original account is supposed to be removed or so i thought. XX/XX/XXXX & XXXX are the close dates.

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 2021-04-06
Company: Mr. Cooper Group 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:
Greenlight XXXX is reporting erroneously on my credit report and it must be fixed. I have been disputing this with them for some time and nobody can ever help me. They are reporting an account on my credit as a repossession and it is not a repo!! They have admitted that they are reporting inaccurately but will do nothing about it. This account was paid in full and I returned the vehicle back to them. I did not stop paying on this account, I simply paid and returned the car and they continue to report erroneously on my credit file. I am aware that you are the furnisher and can report to the bureaus as you deem fit and I ask that you report accurately. If you can not do so, I ask that you send me a letter stating this account should not be reporting on my credit at all period.

Company response to consumer: Closed with explanation