BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting Act. The list of inquiries has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 15 USC 1681 section 602 A 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 a account without my written instructions BANKRUPTCY- XXXX XXXX REMOVED SO I NEED IT GONE ASAP. IF THEY'RE NOT REPORTING WHY ARE YOU???? THEY ALSO STATED THAT BANKRUPCIES IS PUBLIC INFORMATION< ANYONE CAN GET THAT INFO, SO WHY ARE YOU DAMAGING MY REPORT WITH FREE INFORMATION. 
15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-20
Company: Source Receivables Management LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Source receivable is trying to collect an invalid debt they purchased from XXXX. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the XXXX credit bureaus since I first did a report. It has been over XXXX days and I would like these items removed.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: FL
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 hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus. 

I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end. 

I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.

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 2023-01-28
Company: EQUIFAX, INC.
State: NC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: KY
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 am unable to lift my security freeze with Equifax. I have tried several times. The last time I submitted a complaint about this you, the cfpb or equifax or someone conflated my complaint with my husbands equifax account. Please do not do that again. I want to lift my equifax security freeze please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Experian Information Solutions Inc.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX  DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-02-01
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
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: Personal information incorrect

Complaint:
Inquiries Attached is the letter from XXXX XXXX that states the inquiry from XXXX CARD date XX/XX/2017 should be removed. I don't now authorize this hard inquiry. 

I also noticed I still have an old inquiry from XX/XX/2017 that is still reporting I would like removed as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-03
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:
I have contacted the Experian several time about this inaccurate information. I have disputed XXXX XXXX XXXX XXXX numerous of times. The company stated that they have validated this as my account without proof of signature or identification. Please help me rectify this matter.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was never late on this account. 
XXXX XXXX XXXX Account XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX. 
Account Number XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Please remove this inaccurate information from my credit report XXXX XXXX Account Number XXXX XXXX. I was never late on this account. 
XXXX Account Number XXXX Please correct/update this inaccurate information on my credit report. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below.

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 2023-09-02
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance Owed : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
It is impossible to speak to a human being. I need to speak to a human to resolve my issues. Every time I am transferred to a human I am all of a sudden disconnected. Other times the call is transferred and it goes to an invalid extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax is only offering one year of credit fraud/identify theft protection - basically a trial period, for free. It then auto renews, and charges the consumer for the protection. 

As Equifax is the company that : a ) is responsible for exposing all of our information b ) rendered us vulnerable to credit fraud and identity theft - for life. 
It has now also put itself in the position of being able to *profit* from our need for perpetual protection. 

Worse still, if you use Equifax 's service, you must -in writing- state that you op-out of the arbitration clause, and within 30 days. 

As is now well known, the breech has exposed consumer information such as : social security numbers, bank account and credit card numbers, addresses, mother 's maiden name, drivers license, birthdays, investment accounts, account transaction information ( date, to/from who, amount, etc ), retirement and pensions, estates, medical insurance, XXXX, XXXX, medical records, court cases, legal actions and activities, subscriptions, prescription information and accounts, other licenses, mortgage/rental accounts, auto loans/insurance, student/college loans, driving records, voter information, potential tax return theft/tampering, etc., etc. 

As a side -but related, note, no one has yet discussed the potential for blackmail. How many people -including politicians and policy makers- might be held XXXX by the threat of revelation of some item they do n't want made public? 

The scope and scale of this breech is almost unfathomable. What can be done with all this data is unimaginable. None of the information exposed can be recovered, the damage can only be mitigated. The cost of such mitigation should be born by Equifax. 

A check of current companies that also provide such services has revealed that the cost of such protection currently starts -at min- $ XXXX p/year, per person. That means my husband and I will have to pay about {$500.00} p/yr for protection, for the rest of our lives, and possibly beyond that as it may have unknown/unforeseen impacts on estates. 

As the credibility and long term viability of Equifax may be in question, and Equifax is aggressively seeking to limit consumer 's ability to seek legal redress, Equifax should a ) pay for lifetime credit fraud and identity theft protection and, b XXXX pay for whatever company provides the service to the consumer - not just Equifax 's services and, c ) should completely eliminate the arbitration clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: Social Finance, Inc.
State: FL
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 got many calls today XX/XX/2019 from the same number XXXX and the people even left a voice message on my phone saying that they are calling from the Social Security on the voice mail it clearly states that they have found some very supspious activity with my SSN, I called the number back to see what the call was about and I was told that I am in trouble for money landing and drug trafficking the person said that his name was XXXX XXXX, I asked for an agent ID number and he told me ( XXXX ) the man tried to get me to give him my personal information and I was not willing to give my information the man then processed to tell me that My bank account is n the process of being frozen/ seeazed and that there is a warrant out for my assest the man then started to asked my have I ever been to the state of Texas and if so when was the last time I been there I then processed to hang up the phone and that's when I started getting back to back phone calls from the number non-stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Complaint Issue : American Express Platinum credit card # XXXX In XX/XX/2022, I obtained an American Express Platinum card and paid an annual fee of {$690.00}. The terms at the time of my application clearly stated that if I had never previously held a Platinum card, I would be eligible for a sign-up welcome bonus upon meeting the basic spending requirements. The phrase " One person per card per lifetime '' was explicitly mentioned in the terms during my application. 
By the third month, I had not only met but significantly exceeded the spending requirement of {$6000.00}. I reached out to American Express customer service, and they assured me that the sign-up bonus would be credited to my account promptly. However, six months later, the bonus was still absent. Upon contacting American Express again, they informed me that I was ineligible due to having opened two different American Express cards ( including a business credit card ) in the past four years, received bonuses ( approximately {$250.00} in total rewards from a card I applied for three years ago ), and closed the account. I filed an appeal, but it was rejected. 
I believe I have been treated unjustly for the following reasons : XXXX. No notification or alert was provided during my online application process indicating that I did not qualify for the sign-up bonus. 
XXXX. The terms during my application clearly stated : " One person per card per lifetime. '' I had never applied for an American Express Platinum card before. 
XXXX. When I contacted American Express customer service in the third month, the representative confirmed my eligibility and assured me that the welcome bonus would be issued immediately. 
XXXX. Despite their claim of my ineligibility for future sign-up bonuses, American Express continues to send me promotional emails or mail for other credit card bonuses. This is misleading and borders on deceptive practices. 
XXXX. I found some people ( online, my friends, etc ) who also had other America Express credit cards even more than mine still got the welcome bonus. That's unfair, you treated people differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-15
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Schools First federal credit union. On XX/XX/XXXX I made my final car loan payment ( proof attached ) the bank teller told me that the car title was going to be mailed to me. 2 years later I have not received the car title/pink slip. 
Neither the bank had communicated with me in any way, no mail correspondence at all in 2 years from the bank. 
On XX/XX/XXXX I walked into bank main offices to inquire about my car title. I was attended by XXXX XXXX XXXX after a while she said I can not give you your car title because you have credit card balance with us from XXXX. No proof or copies were provided of such thing. 
*Stop the bank from doing tricky practices. The car was totally paid in full and car title should be release no other costs or debts should be added to the car title. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation