BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
With Experian - XXXX. XXXX spelled incorrectly. XXXX XXXX XXXX is the spelling of my name. 
XXXX. Incorrect past addresses. XXXX XXXX XXXX, XXXX, SC XXXX nor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX was never addresses of mine. 
XXXX. Incorrect past phone number XXXX was never my number. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX  is not up to date. 

With Equifax - XXXX. XXXX should not be on my report. 
XXXX. The home that was sold should not have been reported on XX/XX/2022. 
XXXX. XXXX XXXX was not a charge off, and also have duplicate account info I only had XXXX account with them. It was paid through debt consolidation. 
XXXX. There are XXXX reportings of late payments for XXXX XXXX which should have been deleted. The car was totaled and paid off. 
XXXX. XXXX XXXX is a collection agency and should not be reporting delinquencies. 
XXXX. My name is spelled wrong under XXXX name used XXXX XXXX. 
XXXX. XXXX XXXX XXXX is not my current address. 
XXXX. XXXX XXXX XXXX is a collection agency and should not be reporting any delinquencies. 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

With XXXX - XXXX. My current address is not XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX. 
XXXX. There are XXXX XXXX postings and XXXX state as current. The only XXXX correct is the one that is closed. 
XXXX. The XXXX account should not be on my credit report. 
XXXX. Late payment history from collection agencies- which should not be on my credit report, because they are collection agencies ( XXXX XXXX is XXXX ). 
XXXX. My XXXXXXXX XXXX XXXX XXXX is not up to date. 

They do not have my car loan accurately reported between them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I sent XXXX, XXXX and Equifax dispute letters. The credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am uploading a letter I received from XXXX  credit reporting agency. They are refusing to re-investigate a few items that do not belong on my credit report. The first account is XXXX XXXX XXXX. There are fraudulent items on this account and Ive disputed it many times. Now they want additional information which I do not have because its been years ago. I did file a police report when this happened and submitted it to all 3 credit reporting agencies. I contacted the police department for a foil copy but was told because its been so many years they do not keep these records after so long. XXXX XXXX XXXX XXXX has been paid and satisfied. I do not owe over {$6000.00} dollars I had multiple loans with them which were combined and refinanced and they total balance was paid in full. I do not understand because XXXX  has corrected these items and received confirmation to delete off my report but XXXX is not allowing me to redispute which is completely wrong because it is false information reporting and is causing a hardship in obtaining substantial credit. And to say they will not redispute this information is not right. My credit worthiness is extremely important to me. I wish to complain about this and considering starting a class action lawsuit.

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 2018-04-21
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The company called me at work asking for resolution. Obviously I am not in a position to do so or I would not be in collections. I explained my circumstances and today see they had attached additional fees. I cant help anyone in my debt situation unless they are willing to work with me. My husband passed unexpectedly and I am inundated, Im doing my best, would they rather I filed bankruptcy and no one gets anything?

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 2023-05-24
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I called Experian by phone to figure out why my inaccurate accounts remained on my credit report, and the representative gave me no answer to why, just told me that my accounts would remain regardless of any thing i said.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-18
Company: EQUIFAX, INC.
State: NC
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 submitted multiple disputes with Equifax, for inaccurate information on my consumer credit file, and indicated in my dispute, exactly which laws of the FCRA had been violated. The context in each of the dispute results all contain the same verbiage and none of the result reports indicate which disputed account the report is in reference to. This intentional lack of clarity raises the question if whether an actual investigation was conducted or if these results were automatically generated. The agency also did not produce the data that was used to verify the results of the investigations, which is also a violation of the FCRA. I called the agency to get clarification but the phone system is so convoluted it makes it nearly impossible to get to a live rep. When I did reach a rep, they were unable to locate the confirmation number of my disputes, which are listed on their website. So I currently have no resolution to the issues concerning my consumer file. 

*Information is being reported differently across all three agencies *Accounts reporting open, that should be closed *Balances, Activity Dates, & Payment Dates are all being reported differently and are also being updated each month to re-age the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
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: Account information incorrect

Complaint:
ACCOUNT IS CLOSED AND PAID IN FULL, THIS CAR WAS A LEMON ONLY HAD IT FOR A MONTH, CAR TRANSMISSION LOCKED UP AT 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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXXXXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX  XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 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 of 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 2020-08-18
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Date : XX/XX/XXXX To : Specialized Loan Servicing LLC XXXX. XXXX  XXXX XXXX, CO XXXX From : Confirmed Successor in Interest Re : Error Resolution Notice under 12 C.F.R. 1024.35, 12 CFR 1024.38 ( b ) ( 1 ) ( vi ) ( B ), 12 CFR 1024.32 ( c ), 12 CFR 1024.34, 12 CFR 1024.17 Mortgage Loan Number : XXXX   I am writing to request a correction of the error described below in regard to the mortgage on my property. On XX/XX/XXXX, I paid off this debt. 

Surplus Escrow Payment Errors : Your company incorrectly paid/handled the surplus escrow payment. The check was incorrectly addressed. The check or the payment of surplus escrow funds was sent on XX/XX/XXXX. 
The check was written payable to : " The Estate '' The check should have been made payable to : the Confirmed successor in interest. 

The XXXX Servicing Rule establishes definitions of successor in interest and confirmed successors in interest, and provides that the latter are considered borrowers for the purposes of Regulation Xs mortgage servicing provisions. 
Confirmed successor in interest means a successor in interest once a servicer has confirmed the successor in interest 's identity and ownership interest in a property that secures a mortgage loan subject to Subpart C of Regulation X. 

Note : As of XX/XX/XXXX, a servicer must treat a confirmed successor in interest, as defined in 12 CFR 1024.31, as a borrower for purposes of 12 CFR 1024.17. 

Thank you for your assistance.

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 2022-12-19
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: Their investigation did not fix an error on your report

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 - {$150.00} XXXX XXXX XXXX XXXX - {$4700.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX - {$450.00} XXXX XXXX XXXX XXXX XXXX {$710.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$75.00} XXXX XXXX XXXX XXXXXXXX - {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$290.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1400.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$75.00} 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There are numerous previous complaints I have filed with you regarding SPS ( SELECT PORTFOLIO SERVICES. 
Each time they claim they need only one document which I always email and have all records. 
Most of the time I'm on phone with an ombudsman representative ad sit on phone till they confirm they received what the wanted.Now they r violating federal law and DUAL-TRACKING my case. 
I HAVE EMAILED EVERYTHING THEY HAVE NEEDED COMPLETLY directly too XXXX   XXXX ( OMBUDSMAN ) each time and spoke to her on XX/XX/XXXX, when again they said only need explaination of my income which I did MULTIPLE TIMES. 
So XXXX  spoke to XXXX XXXX her partner in ombudsman than came back on phone and assured me XXXX WAS EMAILING FORECLOSURE DEPARTMENT WITH EXPLAINATIO THEY R LOOKING FOR and everything will be stopped. 
Well this past saturday I received documents that XXXX XXXX  XXXX filed all motions to get judgement and sale. 
They filed this XXXX DAY AFTER I TALKED TOO XXXX and was assured all was good. 
All weekend and yesterday I attempted too get this stopped. 
I sent email thru linkedin to XXXX XXXX ( XXXX OF OMBUDSMAN ) and also XXXX XXXX ( EXECUTIVE VP ) I SPOKE TOO OMBUDSMAN DEPARTMENT YESTERDAY XX/XX/2018 asked that the esculate and get me an email STATING THAT THE HAVE CONTACTED XXXX XXXX XXXX  AND advise too withdraw/dismiss all action by end of day today. 
As of XXXX TUESDAY morning I have not received any calls or emails from none of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, Bank of America did an offset on my Bank of America Bank account of {$3800.00} to pay a past due Bank of America Credit Card. 

They left me with pennies to make it through the month. The {$3800.00} was my mortgage and monthly bill money which I now can not pay. 

I called Bank of America pleading with them to not do this. They said they have the right to take my money as they did. 
I felt so sick inside, ready to pass out of fear not knowing what to do with Bank Of America cleaning out my account as they did. 

I explained to them that I hired XXXX XXXX XXXX XXXX months ago to help me with my credit card debt and was sure they had reached out to Bank of America regarding my debt. I told them I was not ignoring them and I did reach out for help. 
Bank of America did not care about anything I had to say. The representative of Bank of America were terrible. Out of desperation, I did email the CEO of Bank of America, but as expected no reply. 

I do not know how I will make it through the month with what happened and I am so scared of falling into further financial hardship which is already happening. 
I am hoping you can please help me. 

Thank you,

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 2022-12-19
Company: Chime Financial Inc
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I sent a money transfer and when the email came back it had a name of recipient of the transfer and it was the wrong person and also someone I do not know. I called Chime within minutes of seeing that and explained to them it went to someone I dont know I must have hit a wrong a digit when sending. The agent assured me this was not an issue and the money would be put back into my account and gave me the case number for this issue. The next day i received a denial to getting my funds back and I once again explained to them it went to someone I did not know and i wanted my XXXX back, I had called within minutes of the transfer so they could stop that transaction. We ended up agreeing after over an hour arguing about how I contacted them within minutes once i got their email showing it went to an unknown source they agreed that I would receive a provisional XXXX into my account with 10 days. Today is day XXXX and I just called them back and they advised me that the case is closed and I would not be getting my funds back. I just joined Chime to get away from the big box banks and this is what has happened to me already within a couple weeks. I don't know how this happened but I do know the funds went to an unknown source and I called the within minutes to advise them and they are denying me my money back. I work hard for my money and i cant afford to just throw XXXX into the wind. Basic common protocols. Any other financial institution has you set up recipients and payees for security purpose. This seemed simple and easy enough but look at the results that come with simple easy, Someone got XXXX free from me and I took out XXXX cash within XXXX minutes so I could pay the correct person the money due to them. I

Company response to consumer: Closed with explanation