BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-27
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 is missing that should be on the report

Complaint:
XXXX and Experian have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. XXXX sends me from person to person and Experian does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.

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 2023-07-06
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE CALLED THE CREDIT REPORTING AGENCY SEVERAL TIMES IN ONE DAY TO FILE A DISPUTE ON SEVERAL ITEMS AND THEY ARE GIVING ME A HARD TIME FILING A DISPUTE PUTTING ME ON HOLD STATING THEY CAN HANDLE MY FILE ITS CRAZY AND THIS NEEDS TO STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was the result of identity thief about 8-9 years ago and this debt collector refuses to listen to anything that I am saying. They keep sending bills of statements I have no knowledge of. My identity was stolen and it took many years to correct things. These account are fraud. This company has harassed me for the last 6 years. I got this company removed from a few bureaus but on XXXX they wont remove it. I am a victim and I refuse to pay for someone elses wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
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 is missing that should be on the report

Complaint:
Equifax and XXXX have ruined my financial standing. It is so unfortunate that these companies have so much power over a person 's livelihood. I submitted documentation for a legal name change to both bureaus. Rather than updating my information, they created a new profile under my new name. My credit scores tanked because all of my credit histories are under my previous name. I have called every number available to try and get them to merge my accounts but to no avail. 

Instead, I have been passed around to 2nd string representatives who can not assist me with my issue. Equifax sends me from person to person and XXXX does a dance around an automated system. I am not sure what else to do as my " thin '' credit file keeps me shut out from many financial opportunities. The funny thing about it is XXXX got it right! They simply updated my new name and listed my old name under " previous names. '' This is how it should be done at each bureau. 

I am asking for assistance with contacting these reporting agencies and holding them accountable for providing current and accurate information as it is detrimental to my credit portfolio. This incompetence should not be tolerated as many people rely on these agencies to get it right. Thank you for your time and I hope you have a better shot at contacting a competent representative than I have had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, have 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. 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.

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 2022-12-18
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My issues started when my mortgage company was Mr cooper and I signed up for their covid forbearance program for the 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I returned to work and called Mr Cooper multiple times, each time I was told that they were working on the resolution of my program and it would be fixed within 30 days. It was never fixed. I made each and every payment after my three month forbearance on time and sent extra each month. I was told my payments would return to normal and the three months I did not make a payment would be attached to the end of my loan extending it. I started to get demand letters from Mr Cooper XX/XX/XXXX, I also received a deferral agreement for the past due amount dated for the same date. They reported me to the credit beaure twice. I spoke with a representative each time I received a letter. They transferred my mortgage to Right path XX/XX/XXXX without this issue being resolved and had to start all over with them explaining I have never been late on payments that I did the forbearance program. I couldn't get through to a person because the automated phone said I wasn't a customer. I emailed them on XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I spoke to a representative named XXXX and another XXXX in Florida on XXXX. Without a resolution. On XXXX I received a letter from Mr Cooper stating their demand letters were in error. 
They made a modification of my payments and lowered them to XXXX for the last three months. I explained to the representative that I did not need or want my payments lowered that I have not been late on a payment yet and send extra. She said I had no choice If I wanted this issue fixed so I agreed. When I look it says modifications of payments is complete and they will have sent me documents in ten days this has been almost three weeks and I have not received documents and my account on the web site says I am still behind in payments. Plus there are unapplied funds every month that I don't understand ranging from XXXX to XXXX. 
When they transferred my mortgage from Mr Cooper to Right path all my online communications were gone. I'm not sure what to do with this mortgage company but feel I need someone to help me resolve this issue because the right hand does not know what the left is doing in their company and they are now effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-08-31
Company: EQUIFAX, 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:
THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS XXXX, EQUIFAX, AND XXXX ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, ACT AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE COVID-19 CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ). 
RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY. 

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
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 account information appeared on my XXXX account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: ALLY FINANCIAL INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I opened an account with HCS Loans at XXXX. XXXX XXXX XXXX, NC XXXX. Everyone was great, made payments no problem. When Covid 19 happened in XX/XX/XXXX HCS Loans granted me a nonpayment without penalty for three months. Sometime in those three months HCS Loans either filed bankrupt or changed their name to Ally Lending. Ally Lending ( previously HCS ) notified me the payment deferral program the account was ending however, I did not sign any contracts with Ally Lending. Ally Lending ( previously HCS ) informed me documentation was not processed correctly from HCS. I would also state without my permission. Ally Lending constantly informs me of the wrong balance & has not submitted a new contract to me. They are not helpful & are becoming harassing on a loan I did not sign with them. 


Ally Lending is not honoring their COVID 19 relief by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, you were required to bring the account current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID XXXX RELIEF. 

Payments will no longer be made on this account until this Financial Institution shows THE PAY OFF AMOUNT OF {$300.00} on the statements which is required by law .... 

The payoff amount on this account is {$300.00}. Should they choose to not honor the Extended promotional date of XX/XX/XXXX, they can change the name of the company again. The pay off amount was always shown on HCS statements & every other account I have ever held.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : XXXX XXXX XXXX AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX  ( BANK ) XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: AZ
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 account information appeared on my Equifax account> I am unaware of this account and who it belongs to. 

Date Reported : XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX , XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$6500.00} Amount {$6500.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: M.A.R.S., Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
M.A.R.S INC. is attempting to collect an alleged owed debt that was alleged Charged off or paid in full on my XXXX report M.A.R.S. INC is a debt collector according to 15 USC 1692a ( 6 ) See ( Exhibit 1 ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency. 

Rights violated 15 USC 1692c ( a ) 15 USC 1692j ( a )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
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: Account information incorrect

Complaint:
They never responded to any of my dispute letters. I have sent 5 letters starting XX/XX/2020. They fail to do their job and they are reporting inaccurately. please help me as they are purposely hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Mercari, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I sold a high value on Mercari that was purchased for {$500.00} but undersold on the web platform for {$300.00}. 
On XX/XX/XXXX the item sold was delivered to my Mercari client.

Customer complains that the listing did not include accessories however the listing clearly states it is only the unit. Pictures on listing also show only the unit.

I offered to discount or even provide the cables to client but Mercari 's plan of action was to authorize the return unjustly. 

Label was provided to client and they shipped it back via XXXX. 
XXXX tracking # shows delivery of package but I did not receive the package back. 
I have went to neighbors and asked the XXXX station/driver but it was to no avail. They can not find the package. 

I requested Mercari to file a claim or assist with tracking as this is their shipping label.

Shipping couriers only provide claims to those who purchased the label. 
No support was given. 
It is my understanding that for a high value item Mercari should be buying insurance and using signature confirmation to ensure delivery of the package. None of which was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo stole our money and has been refusing to credit it to my account for over 1 week now. 
CREDIT OUR MONEY TO MY ACCOUNT IMMEDIATELY! 
Check was deposited for {$2200.00} on XX/XX/2020 already and the money is still not in my account. WE HAVE A RIGHT TO OUR MONEY! 
THIS WAS MY HUSBANDS CHECK - THE MONEY WAS TAKEN OUT OF HIS ACCOUNT BY WELLS FARGO ON XX/XX/2020, HOWEVER, WELLS FARGO IS STILL REFUSING TO CREDIT MY ACCOUNT WITH THE {$2200.00} XXXX WE HAVE BEEN UNABLE TO PAY RENT DUE TO THAT STEALING OF OUR MONEY AND REFUSING TO CREIDT IT TO MY ACCOUNT. 
NO EXPLANATION HAS BEEN GIVEN BY WELLS FAGRO - WHY?? - Non of the general reason 's the bank, W.F. mentions, applyto us! 
- the deposit was not over {$5000.00} - the check was covered ( W.F. took the money out of my husband 's account the same day XX/XX/2020, but STILL refuses to credit my account - WHERE ARE THEY HOLDING THIS MONEY? OUR MONEY? WHAT ARE THEY DOING WITH IT? THIS IS NOT LEGITIMATE!! 
They took the money out of my husband ' s account on XX/XX/2020 and were supposed to deposit it into my account the same day or latest by XX/XX/2020, we have done this many times. WHY are they holding the money for 2 weeks this time? They have not explicitely explained this still - they mentioned all the reasons that CAN cause a hold, but they have not explained what is the reason in this, our case, and non of the general explanations fit our case! 
WHERE IS OUR MONEY? 
FREE IT RIGHT AWAY AND CREDIT IT TO MY ACCOUNT AS IT SHOULD HAVE BEEN DONE 1 WEEK AGO!!

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This is my 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. 

The credit bureaus are required by federal law to respond within the statutory time range, but they have yet to do so. If you don't comply with the request, the things in question should be updated right away. Please remove the following.

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