BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-22
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: Investigation took more than 30 days

Complaint:
PLEASE BE ADVISED THAT I AM SUBMITTING A TOTAL OF ( 3 ) COMPLAINTS THAT ARE TOTALLY DIFFERENT, SO PLEASE READ THEM IN THEIR ENTIRETY. HOWEVER, IT'S IN ALL CAPS BECAUSE I WANT IT TO STAND OUT. THANKS! On XX/XX/XXXX I disputed an inaccurate item on my credit report. However, I NEVER received any response back from Equifax concerning this matter ; therefore, I sent them a letter on XX/XX/XXXX requesting XXXX for them violating FCRA rules. Due to the fact, IT TOOK MORE THAN ( 160 ) DAYS AND EQUIFAX NEVER RESPONDED TO MY DISPUTE ; EVEN THOUGH THEY ONLY HAD ( 30 ) DAYS TO COMPLETE THEIR INVESTIGATION ACCORDING TO FCRA 611 ( 15 U.S.C. 1681I ) ( a ) ( 1 ) ( A ). Consequently, Equifax responded to my letter on by stating that the item was VERIFIED, which INDICATES that they NEVER read my letter because if they would have they would have none that I DID NOT file a dispute ; yet, I was requesting XXXX  dollars because Equifax DID NOT complete their original investigation within the allotted time frame of ( 30 ) days. Therefore, I mailed a 2nd request for damages in the amount of XXXX on XX/XX/XXXX. Also this item is OUTDATED, because it is ( 18 ) years old and the information keep reappearing and or never goes away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
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:
Once again, I never received any of the requested documents I requested previously, yet Equifax continue to report these violation accounts on my credit report. EQUIFAX STATED THEY GOT THEIR INFORMATION FROM A DATA FURNISHER. I DON'T KNOW THIS COMPANY!!! 
As of XX/XX/2021 the FDCA laws for collection companies went into effect. This collection company is practicing Parking on my credit report which is illegal. I never received a model form XXXX or any notice they were going to place this account on my credit report. Equifax deleted these accounts then months later placed it back on my credit report without proper notice to me. 

Upon challenging these, XXXX and XXXX immediately deleted these time-barred accounts based on the lack of ability to properly verify all reported information being accurate. But yet Equifax refuse to provide what they received from Collection Bureau.

I did not provide a signed contract nor signed HIPPA release giving Collection Bureau permission to discuss my medical with anyone. In accordance with the Fair Credit Reporting act Collection Bureau has also violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

These are the accounts reporting on my report Equifax reinserted back into my credit file without proper notice. 
XXXX XXXX - {$37.00} - XXXX XXXX XXXX - {$39.00} XXXX XXXX XXXX - {$50.00} - XXXX XXXX XXXX - {$71.00} - XXXX XXXX XXXX - {$130.00} - XXXX XXXX XXXX - {$170.00} - XXXX I NEVER GOT ANY OF THE INFORMATION REQUESTED BELOW!!!! Equifax just keep stating the law, it supposed to stay on my credit for XXXX years. I understand this but I need documentation for XXXX XXXX to justify. 

Please submit proof I accepted their XXXX terms, the original purchase agreement with my signature that shows XXXX XXXX is the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement, HIPPA documents with my original signature for each account, original application and all statements from open to close or remove this illegal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I received a letter dated XXXX XXXX, XXXX stating that my mortgage was being sold to another company, Newrez LLC with a new XXXX XXXX XXXX send the payment to beginning XXXX XXXX, XXXX. I did make the change of address to my online checking account which I pay mortage from and sceduled my payments for XXXX, XXXX and XXXX My mortgage statements for over the last XXXX years already say New Rez on them but this was a different " XXXX XXXX XXXX. My XXXX payment cleared but yet I received statement for XXXX months mortage payment due when my payment was made and electronic check cleared. I did call New Rez a total of XXXX times. I spoke to XXXX XXXX XXXX XXXX, who gave me an email address to send my proof of payment to which I did immediately. XXXX told me I had to send a copy of my entire bank statement for XXXX which I thought was invasive. I feel I am being treated like a criminal when I have had this mortage since XXXX and have NEVER been late XXXX payment. Nevertheless, I sent copy of my entire bank statement for XXXX On XXXX XXXX, XXXX I receive a certifed letter dated XXXX XXXX threatening foreclosure and saying New Rez has attempted to call me XXXX times which is not honest or true. I have received XXXX calls from New Rez. I am the one that has been calling them and emailing my proof of payment for XXXX and XXXX. It occurs to me that the old account number the old New Rez had assigned me was on my payments and their is a new account number for the New Rez LLC ( both the same name which XXXX be suspect ). I called New Rez again yesterday, XXXX XXXX and spoke to someone else who told me that XXXX XXXX should of had me email my proof of payments to loanservicing. I did mail my proof of payments AGAIN to loan XXXX on XXXX XXXX. All this has costed me hours of my time and I feel like I am getting the runaround when clearly this company has cashed both XXXX AND XXXX mortgage payments I have paid. I did email XXXX after receiving the certified letter threatening foreclosure and was then told I have to send a copy of front and back of my electronic check when I have already sent a copy of paid and cleared checks with confirmation numbers on them. I am now alarmed that this is some sort of scam as I have received a certified letter lying saying they have contacted me when they have not and threatening foreclosure with a certifed letter when they have already been sent proof they cashed the checks. My background is real estate and I am well aware of the shady scams some mortgage companies did to send people to foreclosure when not warranted. I pay all my bills on time including both my mortages and have excellent credit. This Mortage company has cashed both my mortgage payments and is threatening me with foreclosure which is NOT ACCEPTABLE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
XXXX has reported an inaccurate balance from Bank of America on my credit report for the month of XX/XX/2023.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: VA
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:
I never signed or requested an ibquiey into my credit report by XXXX XXXX on XX/XX/2022.

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 2015-07-06
Company: PARSON BISHOP SERVICES, INC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls for a XXXX XXXX. I do not know who she is and when I have called and asked for calls to stop, they continue. On XXXX/XXXX/15, at XXXX, I received a voicemail message from XXXX XXXX @ XXXX and he stated that because my voicemail picked up I was acknowledging that I was the debtor. He left the mini miranda and stated that he needed to speak with XXXX XXXX regarding a personal business matter. 

I called and asked that my number be removed, I was questioned as to why she would give my number when legally all he can ask me is the debtor 's Address, phone number and place of employment. 

I want the calls stopped now! I have had my cell phone number for 10 years and get repeated calls for this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account was closed and sent to a collection agency. Since then I have settled the account with XXXX XXXX XXXX and the original creditor is still showing up on my credit report with negative information. I've tried to reach out to the company to have this item removed and they said once they sold the debt to another lender that there is no way to access my account to delete the negative information. But whenever I dispute the information with the credit bureau 's the say the information is accurate and its not. I just want this account removed from my credit report for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
SLS refuses to give me the proper XX/XX/XXXX XXXX. They keep insisting because THEY liquidated XX/XX/XXXX that we should get a XXXX XX/XX/XXXX. This is against IRS rules which clearly states that as long as an account was paid XX/XX/XXXX then the XXXX must be for that year. It is clear from the statements provided that the account was settled and paid per agreement in XX/XX/XXXX. The reason this is so important is because according to the IRS as long as it was settled in XX/XX/XXXX we do not have tax liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: Experian Information Solutions Inc.
State: ND
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:
I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have XXXX credit card accounts that are fraudulent, unauthorized and do n't belong to me listed on my XXXX XXXX, XXXX and Experian credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX, XX/XX/XXXX, XXXX, balance {$1000.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, balance {$1500.00}

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 explanation
Consumer complaint received 2023-12-08
Company: Experian Information Solutions Inc.
State: KS
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:
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requested a " hard '' copy of our credit report from Experian without authorization. We were shopping mortgages and were assured the inquiry was a " soft '' copy and would not affect our credit, which was false! We did not use this company after they lied to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Early Warning Services, LLC
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please see attachment/police report because the banks in the police report are the banks were the criminal open up multiple bank accounts in my name without my consent. I do have a consumer lawyer and we called these banks and was given information that don't belong to me such as address, phone numbers, and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In spite of my previous written request I found out that the XXXX credit bureaus neglect to delete the inaccurate items in my credit file, I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need these following items to be removed from my report ASAP : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXXXXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} ; XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$760.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Unpaid Balance {$2200.00}.

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 explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions 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:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from 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 2023-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
ExperianCredit reporting agency continues to violate my rights Protected by the FCRA, by reporting false and inaccurate information on my consumer report, and my LAWFUL RIGHTS TO PRIVACY! 
They are reporting 2 accounts as Late 1.XXXXXXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX XXXX, Account # XXXX  Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I Did NOT give Experian Credit reporting agency written instructions to furnish this on my credit report! 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I NEVER gave anyone written consent to share any information of my experiences with Experian nor did I give Experian written permission to do such. My rights to Privacy and other matters mentioned herein has been violated as a consumer and natural breathing Person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-14
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I filled out an application for the SAVE plan for repaying my student loans as I can not afford the high monthly payment that was originally posted. I have called four times and spoken with a representative each time. They tell me that my application is being processed and a new monthly payment will be posted shortly. They also tell me that the past due balances will be erased when the new monthly payment is posted. It has been four or five months now and multiple calls. The monthly payment amount has not changed and the past due balances continues to grow. I never received any confirmation from them that my application to SAVE was being processed or had been processed. I never receive any notifications regarding my new payment amounts.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-30
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CAINE & WEINER COMPANY INC is the collection agency, XXXX XXXX is the original creditor. After receiving a collection letter, I immediately called and spoke with XXXX. I was informed to email connectcw.com and I would receive a response. Well, I have not. I also told him I am a victim of identity theft and the debt is fraudulent. When I received the collection letter, I checked the box that reads " check here if you dispute this debt, then mailed it to XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX, CA XXXX. '' When I called on or around XXXX - XXXX, the representative was rude, however I still informed XXXX XXXX XXXX ) that I am disputing the debt. I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. The countless letters I mailed, I've asked them to PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account. On XX/XX/2022, I also notified the XXXX  serving XXXX XXXX in regards to my complaint # XXXX. The company hasn't responded, therefore, XXXX  closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: IL
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 NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$3500.00} XXXX XXXX XXXX  Balance {$1600.00} XXXX XXXX Balance {$20000.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$720.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with explanation