BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2023 I sent a certified letter to Equifax regarding fraudulent credit inquiries that are on my consumer report. To date, I have yet to receive a response from them, which I'm entitled to by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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: Was not notified of investigation status or results

Complaint:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NJ
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:
My name is 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 and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: Alorica Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I had a loan with a company called XXXX and they suddenly sold all their loans to a company called SST. SST has lacked transparency from the start of the service and is withholding information about my loan. XXXX no longer shows me my payment records, and states that SST completely owns the loan and has all of my information. 

SST has failed to provide an accurate payoff balance or my payment history despite XXXX separate requests to get this. Without my payment history, I can not corroborate that my current balance is accurate and I have reason to believe that its not. It does not match what I recall seeing on the XXXX website previously, but all of the information under the original company is now gone and they insist SST has all the information. I cant access any information from this loan anymore, and I stated that until I receive my financial records and accurate information about my loan, I will not continue paying. 

Each time I speak to a representative they say they understand and they agree. Its been a month and a half and they have failed to provide the information yet they call me 5 times a day trying to collect. 

Additionally, they seem to have changed my previous loan terms. Each payment made to them requires a $ XXXX {$10.00} processing fee that was NEVER a condition in my previous agreement. Even autopay features with them incur a significant fee. This is an uncommon practice. 

Overall this company seems unable to appropriately service the loans they acquired from XXXX, due to a lack of technology and staff, and have failed to provide transparent information regarding my loan and its terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I've been with Bank of America for over 10 years, and all of a sudden I'm not able to get my funds they restricted my for no reason but will not allow me to get my funds from a branch I have to pay bill and they are telling that I have to wait for 3-5 business days not acceptable can you help, I don't deal with fraud activity not move large amount of money in or out my account. Come in to the branch XXXX at XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX, tx XXXX to be disrespected by the branch manager

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 2018-09-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a credit line increase with my existing United Chase credit card. I was denied an increase because of failure to pay past debt with Chase from XX/XX/2008. That is perfectly understandable, but that information was not obtained from my credit report it came from WITHIN Chase. Reason is that it DOES NOT exist on any of the three credit reports. With that said I understood from when I asked for the increase that a inquiry by Chase in to my credit report was granted by me when asking for the credit line increase. But what I feel is completely wrong is that they took two credit reports one from XXXX and on from XXXX. Needless to say they needed NEITHER report because they based their decision by the information Chase had with in house from me having past debt with them. I am not complaining that I was turned down for an increase nor am I complaining there was a credit report taken. I understand the process. What I am upset about is that they took two reports one from two different companies. I asked them to withdraw just one of  them and all I got was double talk that they are ONLY CONSIDERED one report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-16
Company: AMERICAN EXPRESS COMPANY
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Requesting the following documents from American Express : 1 ) Credit Card Statement XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX 2 ) Credit Card Statement XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX 3 ) Credit Card Statements XX/XX/2019 American Express credit card statements for the time period of XX/XX/2019 for card number ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: KS
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:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
its been over 30 days and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. they have no supplied this information and they must delete the alleged late payments from my credit report. under federal law they have 30 days to complete the investigation and by failing to do so, the item must be deleted from the report as soon as possible.

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 2023-09-19
Company: EQUIFAX, INC.
State: PA
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 name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, 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:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
I am the author of this complaint and I checked my credit report this morning and saw some fraudulent, inaccurate and incomplete information on my credit report. I'm asking the credit bureaus to conduct a reasonable investigation and DELETE the following accounts and update late payments to fully paid on time. 

XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ( Original Creditor : AT T ) Late Payments ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to the COVID 19 pandemic my husband and I were given mortgage assistance via the Pandemic Mortgage Assistance Program through PA Housing Finance Agency from the Federal Cares Act. Shellpoint Mortgage was sent {$6000.00} to cover our entire mortgage payments from XXXX through XXXX. We signed an acknowledgement form that this money would remove any additional costs and were not to send any further money to Shellpoint during this time, nor could we put ourselves in forbearance. An acknowledgement form was also sent to Shellpoint saying the same and that the {$6000.00} was to be used for {$1000.00} full payment each month with no additional cost or fees for us. An itemization of how funds could be used was also sent to Shellpoint. This form was signed on their behalf as well with a witness. 
Shell point did not use the funds as agreed to. One full mortgage payment was made at almost {$1900.00} not the {$1000.00} agreed to, the remainder of the funds were used for escrow and fees according to multiple representatives spoken to over the past six weeks in trying to rectify this. The remaining balance has still not been erased or rectified even after elevating it to a supervisor and calling the representative who signed the contract itself. Our balance is currently for almost {$8000.00} although we should have a balance of XXXX We have not paid our XXXX mortgage yet as we can not get Shellpoint to acknowledge this error and correct. Late fees are now accruing, but we can not ensure Shellpoint will use our full XXXX payment for XXXX and not move around the funds as they did with the payments made by PMAP/PHFA and the state/federal government. We would like Shellpoint to honor the contract they signed when they accepted this {$6000.00} from the CARES act and the state government to erase any additional debt on our part as well as late fees we are not responsible for so that we can continue paying our mortgage from where we are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Please remove XXXX XXXX XXXX XXXX  from my credit.This is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Complaint, XXXX and XXXX against XXXX and Wells Fargo for illegal collection practices. 

I submitted complaint against XXXX and demanded to verify why I was charged for {$490.00} for property taxes if I paid for them from my own funds. 

On XX/XX/2022 " XXXX XXXX '' sent me a letter telling that they received a return from XXXX XXXX office and purportedly forwarded it to fake " servicer '' XXXX for deposit. Which was a lie because XXXX made this check payable to Wells Fargo Bank, not to XXXX. 

According to the XXXX XXXX she cant imagine why XXXX made it payable to Wells Fargo, because Wells Fargo doesnt usually go through XXXX Tax Service they make their own request for tax bills. 

I demand disclosures why XXXX made this check payable to Wells Fargo bank ; which individual employee at XXXX made this deposit ; why Wells Farge collects checks with refund for my property taxes ; which aurthorized employee at Wells Fargo received and deposited this check ; and a copy of the ledger for the account receivable, with the name of the owner of this Account receivable, which can evidence that this check was deposited.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Synovus Bank
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: Account information incorrect

Complaint:
This account is inaccurate, I have spent 2 years disputing TWO accounts. Both by mail and over the phone. I even paid it to get it removed from my credit report! They continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$99.00} ; XXXX XXXX XXXX Balance : {$25000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
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:
XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue XXXX And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX

Company response to consumer: Closed with explanation