BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I have been trying to get errors on my credit report removed because it's a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S. Code 1681s-2, a person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. After providing factual information to the furnishers of my consumer report, they still haven't managed to correct the errors and I'm soon going to seek litigation. It has been well over 90 days since I filed my disputes. I even have a bankruptcy XXXX XXXX that the courts I filed with stated they didn't authorize these said companies to report this information or even gain access to it. Under 15 U.S Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have late payments on credit card accounts that shouldn't be there. The creditors are also considering the accounts " verified '' because they are basing their disputes on the consumer system that has incorrect data reporting on my behalf that I don't authorize and won't check the proof of proper information I'm sending in. I demand these accounts to deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
NATIONAL RECOVERY AGEN Account # XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

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 2023-11-08
Company: EQUIFAX, INC.
State: GA
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$700.00} ; XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX  XXXX Balance : {$2500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
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:
Equifax and Transunion are reporting incorrectly lates on the XXXX XXXX  partial account number XXXX. ( Please see pages 6 - 8 of the attached credit report. ) I applied for a loan modification and got behind on payments. I was then in a position to make multiple payments only to have the payments sent back to me. I was not aware that they would not accept partial payments. In the middle of trying to get the payment situation straightened out, my loan was sold without any notification to me. I was told that I would be able to make partial payments and get all payment caught up, however this was not true. Consequently, since the payments I made were not applied, I was zapped with late payments. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: EAST WEST BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been spoken rudely with the company employees at east west banks customer service over the phone call we had about my debt card being lost in the mail or stolen. There forward, I am trying to get my funds to XXXX account though online bank app and its taking the mobile with no explanation for the appropriate transfer receiving the money also no data that will complete the transaction on the receiving account. Thank you so much for your help and understanding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: FL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: ID Analytics, Inc.
State: PA
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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2019 I have been involved with an ongoing dispute with Sagestream LLC. They provided information that caused me to be denied a loan. They have not answered any of my questions satisfactorily, they have used legal jargon to obfuscate the true meaning of there intentions, and they have shirked responsibility at every point possible. Recently, they denied giving me any information based on the fact " My identification I sent them was blurry. '' They had my phone and fax number so they could have contacted me using either of those to tell me my identification wasn't acceptable but they chose not to which leads me to believe they are deliberately and maliciously withholding information from me and I accuse them of which. In their responses they keep stating : " SageStream is a consumer reporting agency that prepares consumer reports and credit scores for its clients who are typically credit grantors ''. however this is affecting my life due to the fact I have been denied credit based on the information in their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: KY
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 statement is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: BARCLAYS BANK DELAWARE
State: MA
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:
On XX/XX/XXXX I signed up the day or so prior to the XXXX app. Or XXXX.XXXX. 

They took on new people and supposedly are working out the kinks of new people. I have not broadcasted on that site nor commented or violated their tos in anyway. When reaching out to them as to why you pay for coins or sponsorship and then arent even allowed to post on the app after they take their money / they dont respond. It was self automated saying they were very busy. Not busy to take your money and stop you from posting. Called Barclays to tell them and they sounded confused. I want my XXXX from XXXX  back since they took my money and had no response as to how as a new user I did anything wrong when I didnt even broadcast.

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 2023-11-08
Company: EQUIFAX, INC.
State: CA
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 am a victim of equifax credit bureau breach, I have proof that they used my credit report improperly. there are accounts and inquiries that were made after XXXX, that i have absolutely no recollection of. 
The accounts and inquiries that I believe should be deleted immediately are as follows... 
XX/XX/XXXX XXXX account number XXXX with the amount of {$490.00} XX/XX/XXXX XXXX account number XXXX with the amount of {$840.00} XX/XX/XXXX XXXX account number XXXX with the amount of {$3100.00} XX/XX/XXXX XXXX account number XXXX with the amount of {$7900.00} XX/XX/XXXX XXXX  account number XXXX with the amount of {$7500.00} these inquiries XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
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:
The XXXX XXXX XXXX XXXX payment in the amount of {$1000.00} for XX/XX/XXXXXXXX  is incorrectly showing 30 days late on my credit report. It was not late. 

If you look at the attached XXXX response letter ( dated XX/XX/XXXXXXXX  ) to the Complaint, you will see that XXXX did not deny that XX/XX/XXXXXXXX  is incorrectly showing 30 days late, but said I should take up the issue with XXXX. To me, thats the same as saying its XXXX fault ( the error is on the credit bureaus end ) that caused the XX/XX/XXXXXXXX  payment to incorrectly show 30 days late. 

Therefore, since the XX/XX/XXXXXXXX  payment was paid on time, and is incorrectly showing 30 days late on the Equifax credit report also, I am requesting that Equifax correct the credit report by removing this 30-day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Shellpoint Partners, LLC
State: VA
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:
Good Evening, I am having a major issue once again with Shellpoint Mortgage Lending located in XXXX, SC. This is my second complaint through this Bureau. 

In XXXX of XXXX Shellpoint reported my payment as late. After a lengthy dispute the late payment was overturned, and that XXXX a certified letter was issued to me by Shellpoint removing the late payment from my Credit. It was also supposedly reported to all Credit Bureaus. I had to file and additional dispute in XXXX of XXXX, because the late payment was never updated with XXXX. This issue was resolved after filing a complaint with Consumer Finance. 

After all of that, the property in question was sold and the Loan was paid in full on XXXX of XXXX. Im currently in the process of building a new home, which is set to close on XX/XX/XXXX of XXXX. In XXXX of XXXX I had to file a dispute with XXXX, because Shellpoint had not updated my Mortgage or Payoff Since XXXX of XXXX. This issue was resolved at the beginning of XX/XX/XXXX, which leads to the problem at hand. 

On XX/XX/XXXX Shellpoint updated my payoff information with XXXX. They also added the late payment from XXXX of XXXX that had already been removed. I have taken a major hit to my Credit before the completion of my new construction home prior to closing. I may lose my Home do to the incompetence, poor costumer service and illegal activity of Shellpoint Mortgage Servicing! You cant even escalate your call past an hourly customer service representative. I have never experienced this type of disregard for a person in my entire life. 

If my Family loses our New Home do to Shellpoint Mortgage Servicing. I will definitely sue them to fullest extent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX  | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

XXXX | XX/XX/XXXX : Account number : N/A, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

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 2022-08-15
Company: EQUIFAX, INC.
State: MN
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:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MN XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX. 
XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$5000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I secured a debt consolidation loan in XX/XX/2019 to pay off old credit card bills. One of the credit cards was Capital One Quick Silver. The statement balance was approximately {$300.00} remaining to be paid ; however, prior to the consolidation loan, I paid {$50.00} directly to Capital One. The debt consolidator printed a check for {$300.00} based on the balance on my credit report. I mailed the payment to Capital One and that generated a credit to be returned for approximately {$49.00} ( {$49.00} to be exact ). I contacted Capital One and they assured me a refund check would be mailed to me within 90 days. 

I called them in XX/XX/XXXX because I had not received the check only to realize they had an old billing address. I updated my mailing address and was told they would cancel the issued check and reissue. It would take another 15 days to receive it. XX/XX/XXXX, I still had not received the check. I verified they had the correct address and I received the same response, " We'll cancel and reissue a refund check. You'll receive it within 15 days. '' Again, XX/XX/XXXX. I received the same response. Each time I've contacted them I verified my correct mailing address. However, this time, the representative said they had the incorrect address on file. And once again, after explaining that I will be filing a complaint against Capital One, her response was, " I've canceled the check and we'll reissue it. You'll receive it within 15 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Paypal Holdings, Inc
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I got an email from pay pal XX/XX/23 to which I owe them I ordered XXXX XXXX for {$1100.00} Invoice XXXX. I did not order this item. I had a previous scam from them. XX/XX/23 pay pal. Submitted my claim I loss XXXX. I filed with local enforcement branch and with federal trade commission.

Company response to consumer: Closed with explanation