BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: TN
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:
Eye would like to know whos been making payments on Regarding Employees from XXXX XXXX. Department of Education has made false claim that another Corporate Entity name XXXX XXXX XXXX owes? The XXXX XXXX XXXX XXXX was created by the Employees of Social Security Administration and XXXX XXXX XXXX without a Express Contract Agreement with Natural Living Man the Actual Beneficiary/Administrator over the All Capital Corporation itself . With all due respect, This is a big scam because the non affiliated financial institutions which are Equifax, XXXX, and XXXX are getting the profits and Eye as the Natural Living havent received not check and/or payment from the derivatives, assets, interest and proceeds that the Social Security Credit Number has produced! Yet XXXX sent an email to XXXX stating congratulations on an 8 month payment streak. Whos been making the payments and wheres the proof of how, when, where, time, date, day, year and month that the payments are being made? What bar member or public official made the payment and produce the Express Contract that Eye as the Natural Living Private Man have with the acting bar and/or congress Member whos a Man and/or Woman?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mailed check with coupon in provided envelope on XX/XX/XXXX for XXXX payment to mortgage company ( Select Portfolio Servicing , Inc ) .. Funds were debited from my account XX/XX/XXXX. Mortgage company presented same check for payment on XX/XX/XXXX and again on XX/XX/XXXX, generating two {$28.00} NSF fees from my bank. I called mortgage company XX/XX/XXXX to explain their error. On XX/XX/XXXX I received a letter from mortgage company stating a returned check fee and a late fee would be charged to my account. I called mortgage company again XX/XX/XXXX to discuss their error. I mailed a letter XX/XX/XXXX detailing correspondence. No statement or payment coupon was received from mortgage company for the XXXX payment, so I mailed a letter with payment on XX/XX/XXXX, which was .debited from my account XX/XX/XXXX. I subsequently received a letter dated XX/XX/XXXX from mortgage company asking me to contact them " if ( you ) are experiencing financial hardship ''. I wrote to mortgage company again describing their error and listing all correspondence regarding this issue. I have not received any response from the mortgage company and do not know if the fees were reversed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: AmeriCollect
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written Americollect on XX/XX/22 they never sent me any validation on my two letters I sent them regarding the amount of XXXX, and for XXXX. My letters have been ignored by the bureaus ; and they are in Hippa violation as well! These items need to be deleted according to fcra, they have 30 day timeframe and it is way beyond that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: AES/PHEAA
State: MD
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 been submitting ECFs since XX/XX/XXXX. As of 2 years ago my PSLF payments were accurate however for some reason two years ago they reset to zero. When I called FedLoan and emailed they stated that they would be working on the case to review and update it. After a year of no response I reached out again and still given the same reason of they are working on it. I finally reached out to CFPB several months ago to help address this issue and as of XX/XX/XXXX it was addressed via your help and the PSLF payments were updated. However the counts were slightly incorrect. I have attached their documentation for clarification but the line with " XXXX XXXX XXXX  XXXX '' should be 36 payments instead of the listed 32. The line with " XXXX XXXX XXXX XXXX '' should be 27 instead of the listed 25. The final line with " XXXX XXXX XXXX XXXX '' is correct at 12.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: MO
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:
This is 3rd time reaching out I am Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct, and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with XXXX, XXXX and experian. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from experian and XXXX  however XXXX sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP

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 2022-01-15
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a collection account opened in my name by FIDELITY PROPERTIES IN. They claim my original debt is owed to XXXX XXXX. The collection was opened on XXXX XXXX 2017. I do not know how this charge came under my name. It could be a case of Identity theft? I did not go to XXXX hospital that year or the preceding year for any purpose! There is nothing in my medical records to reflect this alleged charge. I tried to dispute this charge through all 3 credit bureaus. XXXX and XXXX both removed the collection from my account. XXXX did not. They contacted the collection agency and claim the charges are valid. That is impossible. There must be some record of me visiting the hospital or getting some procedure done to account for these charges. No one has produced any evidence to validate these charges. There must be something. An emergency room admission, test results, medical records, something. I know for a fact they can not have any of these things as I had no reason to go to the hospital. I am healthy. I have had no accidents. I have not been ill. If they have something in my name the only logical explanation is someone else used my name falsely to avoid the charges themselves. Even if that is the case there should be video evidence to prove that the person seeking medical attention was in fact not me. I do not know how else to dispute these charges. If this is not something that your organization handles could you please direct me to the proper channels that I may have this removed from my records. It has significantly damaged my credit rating. There is about XXXX points difference between the 2 valid reports and the one with the false charges. This keeps me from building my credit and gives me higher interest rates. Please help me in this matter. I would like to know where these charges came from and how they were placed under my identity. They can not possibly be valid as the hospital visit never happened. At least not by me. I have no documents to attach as this is a false charge and never happened. Thank you for your assistance in this matter. Sincerely- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the XXXX XXXX XXXX, XXXX XXXX Partial acct # XXXX..., has violated my rights. 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This has been done and in violation for XX/XX/2023 reporting as a 30 day late payment. Please remove.

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 2021-02-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been trying to make a payment before the due date and the payment system isn't letting me set the desired date which is before the due date. 

I have tried to chat with any representative unsuccessfully, they just left me hanging with no answer whatsoever, very disrespectful and poor customer service. 

It is clear that they are charging all interests up to the due date instead of give the client the benefit of not paying daily interests. For a single client isn't a lot of money, but think about the strategy of deceiving millions of clients with the same tactic. I can imagine how many millions of dollars they are making with this single deceitful act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09
Company: Collection Professionals, Inc.
State: WY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Numerous Contacts including re-uploading receipt of payment. This company refuses to remove it from my credit report and reflect it as paid. It is a continual effort on my part to show the account was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX Wells Fargo had my mortgage. It was an Adjustable-rate mortgage. I tried 3 different times to refinance to a fixed rate and was turned down. Eventually leading to Well Fargo to foreclose and reprocess my home and land that I owned before getting the mortgage in XXXX. I was wondering if I was allegeable as part of the class action lawsuit against Wells Fargo? Since then I have moved several times and Wells Fargo doesnt have my current information.

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 2022-09-14
Company: EQUIFAX, INC.
State: MD
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 am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$660.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$410.00} XXXX XXXXXXXX Balance : {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My husband and I were applying for home loans in XX/XX/2021. We shopped around with a few lenders including XXXX. The loan XXXX from XXXX we worked with was XXXX XXXX XXXX. He ended up pulling our credit multiple times without our consent, but since at the time we were shopping for a home loan, we did not do anything about it. 

We bought our home in XX/XX/2021 through another lender and have not applied for a home mortgage since then. 

Recently on XX/XX/2021, XXXX XXXX XXXX pulled our credit ( both me and my husband ), even though we are in NO WAY engaging in business with him. We tried to contact him to get him to reverse the credit pull but were unsuccessful. We also filed disputes with Equifax ( both me and my husband separately ), but Equifax upheld the credit pull as valid, even though we did not authorize it and are NOT seeking a mortgage from XXXX. 

Since we are not getting any help from XXXX XXXX, XXXX or Equifax, we need to file a report to get a resolution and remove the credit check. I'd also like to report XXXX for erroneously pulling credit without our consent both in XXXX when we were shopping for loans, and many months later in XXXX when we had no relationship or contact with him.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: LA
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:
The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!

XXXX XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$1000.00} ( Original Creditor : ) XXXX Balance : {$590.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023

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 2022-01-15
Company: SYNCHRONY FINANCIAL
State: WA
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:
In XXXX I was in a tractor-trailer rollover at work and sustained a XXXX XXXX XXXX! I now see double and am XXXX because of it. Washington state took my XXXX away in fact making me jobless. In XXXX Washington retrained me as an XXXX XXXX XXXX XXXX In XXXX Covid took my job away because no one wanted a XXXX XXXX in their house XXXX XXXX XXXX XXXX! I have pretty much been jobless since. I had to file bankruptcy, when I filed for bankruptcy the companies involved took everything off my credit report, and then when my bankruptcy was final they put it back on my credit report. Now they wont take it off! Both companies are listed in my credit history and included in the bankruptcy so in fact I am getting docked points off my credit score not only for the bankruptcy but also for the two companies involved in the bankruptcy. I have asked them to take it off and they wont! One, is XXXX XXXX XXXX, the other is XXXX Bank! And my problem is that Im getting docked twice for the same thing. one is listed as a bankruptcy and the other two are listed so that they can put dismissed through bankruptcy chapter 7 in my report. So Im getting docked for the XXXX listing the XXXX XXXX  listing and the bankruptcy listing. Is not this like getting punished twice for the same crime?

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 2023-02-16
Company: Experian Information Solutions 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:
15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered

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