BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: MI
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 have reached out several times about an authorized user account that is showing up on my credit report that I did not authorize. I have stayed that I have no knowledge of the original account holder and I have asked that Equifax verify all information on the account and to provide proof that I have agreed to be an authorized user on this account. I have been providing no proof of this from either Equifax or the bank. 

The account in question is XXXXXXXX XXXX XXXX  account # XXXX XX/XX/2019. 

According to FCRA 15 U.S. CODE 1681 The banking system is dependent upon fair and accurate credit reporting. 

This account is not accurate and I would like it to be removed immediately. In addition to there being no proof provided that I have agreed to be a user on this account I have not been provided with any evidence of this account having any reason to be shown on my credit report and this is an error I would like corrected immediately. 
I have reached out several times and there is no notice of dispute on this account in addition it is showing as charged off but still reporting on time payments which is impossible for a charged off account. I am submitting evidence of these inaccuracies as I am submitting a screenshot of my credit report that shows this account is continually reporting as being paid on time while simultaneously reporting as charged off. I would like this account to be removed immediately as it is clearly inaccurate and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Resurgent Capital Services has sent emails to my XXXX account in the past. I called the phone number and requested more information about the account. They DEMANDED the last four numbers of my social to verify the debt was mine. I request to know who the creditor was so that I could verify if the debt was mine. After relenting to their demand, they quickly told me that the debt was not mine and refused to discuss the matter any further including removing my email from their database. 
Now a year later the emails are being sent to my inbox again. See screenshots included in the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Billing dispute for services

Complaint:
just applied for first time home loan with my credit union and it pulled up accounts that were closed! I just checked XXXX, XXXX, XXXX and these two accounts are not on my credit reports. The companies are Kohls and XXXX XXXX XXXX. I can not give dates due to them not being on my 3 credit reports or amounts. I need them removed immediately. I don't understand why they showed up on my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, Experian, XXXX  ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! 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 2023-09-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have a series of accounts that I want the bureaus to investigate and correct from my credit report. I have sent notifications to the creditors and they have not responded to me either, except for one. I would like to know what is happening that my process does not advance. 

XXXX has only been in charge of sending emails saying that they received my letters but that they will not investigate, which I find unfair and very unethical on their part

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.

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 2021-04-19
Company: COLLTECH INC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, XXXX XXXX  XXXX has breached my daughters information through a mass email over 6 months ago. I have a balance due of XXXX and another balance of XXXX or so. XXXX XXXX  XXXX is misrepresenting the collection of thee XXXX because the services were rendered by a XXXX XXXXt who has not been paid for her services by XXXX XXXX  XXXX. Therefore, they are collecting money under false pretenses. 

The other issue is the practices in which the collection agency is trying to collect debt. They have called and I explained that I needed 30-days, but now because of the nature of the collection and the absences of who is to collect on theses eservices, XXXX XXXX XXXX needs to explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EdFinancial Services
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
As of around XXXX weeks ago ( XX/XX/XXXX ), I do not have access to my loans nor can I make a payment. Today is XX/XX/2023. I called yesterday and I don't have access to my loan nor have they approved my REPAYE application and they can't guarantee a date for when that will occur ( I applied for the REPAYE around XXXX weeks ago. I plan on leaving the country next Wednesday ( XXXX days ) and won't return until XX/XX/XXXX. I needed to have my payments scheduled and I needed to apply a {$20000.00} lump sum towards my loan earlier this week. I can not plan ahead when my loan servicer has no information regarding interest rates and the old system is no longer accurate and I nor the representatives have any ability to provide me with the information. This is insane this is close to repayment. I may not be able to fix any issues or answer questions that arise before returning from my trip as I may not have access to two-factor authentication for my accounts. This delay and lack of ability to process payments/access accounts may cost me money. The representatives are kind, so this error isn't on them. Very poor management by the ones in charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our mortgage in XX/XX/2022. Final payoff for the original loan was XX/XX/2022 with an escrow balance with the original mortgage company ( BB & T ) of {$3400.00}. Payment of escrow balance has not been received to date. Multiple conversations with financial institution with different excuses ( incorrect address, time required to reissue check... ) and no resolution yet. I thought the financial institution is required to return the escrow balance within 20 days of payoff?

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance {$150000.00}

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 2023-08-02
Company: EQUIFAX, INC.
State: WI
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 complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All are being investigated by the FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: EQUIFAX, 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:
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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TX
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 have been trying to dispute these issues with no result. This is the letter I sent to the credit bureaus. I received a letter from your firm stating that my letter requesting verification of erroneous items on my report as being classified as " frivolous '' or " irrelevant ''. I assure you that in no way do I consider a matter of such importance to me as frivolous nor irrelevant. In fact if you do not honor my original request to verify the items contained in my previous letter, mailed via certified mail, I will file a complaint with the Federal Trade Commission against your company. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my concern regarding the accuracy and integrity of your company 's data. As per the FCRA section 611, it is crucial to maintain accurate records that can be relied upon by not just customers but also potential lenders and employers. I have done some research on Metro 2 compliance standards, and I believe there may be some inaccuracies in reporting going forward if these issues are not promptly addressed. Before taking any further action, I would appreciate any feedback you can provide to resolve these issues amicably. The following items are listed in the attach to the letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: Cedars Business Services, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I was contacted via phone, email, and text message by XXXX XXXX from Cedars Business Services ( XXXX, XXXX ) regarding a non-existent debt which Cedars claimed I owed to XXXX. 

No such debt ever existed. 

On approximately XX/XX/XXXX, I ordered two desks on XXXX totaling {$5500.00}. When the desks finally arrived, they were so badly damaged that I refused to accept delivery. XXXX issued a complete refund via XXXX on XX/XX/XXXX. 

I have provided Cedars Business Services the above information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX  XXXX and account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

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 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX XXXX has not provided my extended warranty refund, even though it is already canceled. 
On XX/XX/2021. I signed the cancelation form to cancel extended warranty On XX/XX/XXXX, I opened a case with Chase ( my lien holder ) and they directed me to the dealership At the end of XXXX, I called the Finance department at the XXXX XXXX XXXX XXXX, and the person I spoke with told me that the hold up was on XXXX, which is the company that provided the extended warranty On XX/XX/XXXX, I called XXXX  and the agent told me that the warranty had been canceled since XX/XX/2021, and that they had refunded the money to the dealership On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, requested to talk to someone in Finance and I waited 30 minutes on hold. No response. 
On XX/XX/XXXX, I called the XXXX XXXX XXXX XXXX, no response.

Company response to consumer: Closed with explanation