BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Submitted completed borrower assistance form, and requested documentation to company to receive assistance in avoiding foreclosure as I was affected by XXXX. The company has continued their efforts to foreclose ignoring any communication from me. Ive emailed them everything requested to the email provided by the mortgage company representative via chat, as well as the fax number provided. To date, I continue receiving court foreclosure notices and filings- but absolutely NO communication regarding assistance. 


They have ignored my continued repeated efforts to avoid foreclosure, and instead fabricate narratives in order to foreclose on my home. All my attempts have gone ignored. I have received no workout plan, trial payment plan, modification etc. 

Consumers have rights, and they have violated those rights for their own financial benefit despite the rules put in place to protect consumers from such predatory and unethical behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-03-02
Company: Experian Information Solutions 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong 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 2022-02-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called Equifax on date XX/XX/XXXX to seek more information about unauthorized inquiries on my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. 
UNAUTHORIZED INQUIRIES LISTED BELOW EQUIFAX CREDIT BUREAU XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Equifax XXXX  XXXX XXXX XXXX Equifax XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: GA
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 demand this company XXXX XXXX XXXX to cease all communications, and they act as though they're above the law, This is Defamation of character according to 28 cfr 4101 ( 1 ) false and misleading practices 15 usc 1692 ( g ) you never provided me with proof of where the credit came from, also forward flow agreement, uninformed use credit 15 usc 1692 ( g )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Accscient, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nationwide Recovery Service never sent a letter about a collections of {$220.00}. This has just showed up on my XXXX credit report. I have since disputed this on XX/XX/27 to include validation of debt and received no response

Company response to consumer: Untimely response
Consumer complaint received 2022-02-28
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 XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX has 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 a account without my written instructions.

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 2022-02-28
Company: AFNI INC.
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a written notification from AFNI at afnicollections.com and they stated I owed a certain amount for a company I had no debt with. I contacted the company before contacting AFNI ( from a blocked phone number ) and confirmed that I had no debt with that company and they have no record on file of unpaid debt. Additionally, I never once got notification from the company itself of any unpaid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: SC
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:
In Accordance with the Fair Credit Reporting Act. The list of accounts below has federally protected consumer rights to privacy and confidentiality under 12 UDC 1681. 

Accounts Account # XXXX XXXX XXXX... 
XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 
XXXX XXXX XXXX XXXX... 

12 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 con not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting may make any consumer reposts containing any of the following items of information, other than records of convictions of crimes with antedates the report by more that's seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information in inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: LA
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 a complaint against timeshare XXXX XXXX. The people I dealt with claimed to not to work on commission. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They offered us free vacations that we didn't even get. They have our ID during this process. Everything felt rushed especially when they didn't even gave us enough time to read through the contract and understand it's contents so we can be fully aware of the details of the agreement. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We've called them several times. Worst parts was actually the their whole process. They pressured us into saying yes even after we declined several times. We were taken on a bus to a location, they were our ride back and would not take No for an answer. This timeshare has been so stressful for us. They call us several times a month, harrassing us for payments even after hurricane Ida left us XXXX. This also put stress on our relationship as we get into arguments for getting involved in this timeshare that we can't even use because of very limited dates available. We even lose sleep over the stress caused by this timeshare. Lastly, all we got from this are financial difficulties and negatively affecting our credit scores. All we got is being stressed out ever since we had this timeshare. We were simply defrauded, lied to & taken advantage of.

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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion XXXX is reporting a collection on a debt that is over 15 years old and was paid in full 15 years ago and has been sold from one debt collector to another for a {$150.00} balance. This information is far too old to be appearing on my report. I have never spoken to this new collection company in addition to the debt collection being fraudulent. The bill was paid and account closed over a decade ago. This is all a lie and it is illegally reporting on my credit profile. You can't just post XXXX like this on a credit report with no explanation regarding why XXXX thinks this is suddenly relevant to anything. I want this removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, CA 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 2023-11-20
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My primary concern is the account mentioned below, which is incorrectly listed as a late payment account. I urge you to provide concrete evidence of this account being late, and if such evidence is not available, kindly remove the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute, as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX, XXXX, and Equifax are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On around XXXX XXXX the manager of my job brought in an envelope with garnishment papers. A company by the name of Velocity Investments has purchased an old debt an garnished my wages. I then attempted to contact the person who was suing me. I reached out via phone to XXXX XXXX to see if the garnishment could be stopped, XXXX XXXX proceeded to tell me that he would not work with me and then hung the phone up in my face. I then began to send emails only to be in contact with XXXX who then told me that he was the only person who could make any decisions on my issues. After going back and forth with XXXX XXXX and begging him not to garnish my wages he then proceeded to contact me three days later to ask for XXXX and then he would work out a payment plan. After explaining to XXXX XXXX I could not afford that amount, he told me that was the best he could do and good luck. The original debt was XXXX but after court cost and other fees I am now paying XXXX to someone whom I never had any contact with, I never gave anyone permission to give my name, address ( Which is incorrect ) and this is why I have never received anything from XXXX XXXX or his company. XXXX XXXX is now taking 25 % of my wages and it is hurting me because the cost of living is high and that amount every payday is hurting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Credit Karma, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I reported my card missing and stolen, by XX/XX/XXXX my tax refund came to my credit Karma account I still didnt receive a new card, by XX/XX/XXXX there where multiple transactions up to {$2700.00} all my tax money gone and transferred to somebody elses XXXX  XXXX, i was otp with the fraud prevention team letting them know I didnt make none of those charges and that its fraud they marked everything as fraud but wont let me dispute the charges I been trying to dispute the charges for the past 5 days and they know I didnt make the charges so I dont understand they allowed somebody to take all of my money they blocked me from calling them so I cant even get in touch with them at this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My cellphone and laptop were stolen on XX/XX/XXXX, on the XXXX the individual who stole them or someone they know was able to get into my PAYPAL account and create a fake account and transfer money into there account. My bank declined the transaction and PayPal knew the account was compromised and suspicious however still sent the money to the individual who stole my phone or laptop. No money was ever sent on my behalf or authorized by me yet the are still trying to collect on the balance from me instead of going after the criminal who stole the phone and processed this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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:
I just received my credit report for Equifax and XXXX, and they told me one of my XXXX XXXX loan accounts are not being reported by the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a XXXX XXXX XXXX XXXXXXXX XXXXt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank Of America refuses has unlawfully frozen my account for over a week now as punishment for filing an unauthorized charge claims, refused to let me close it, have access to my funds and as of today I am being told that the account has been officially closed even though ALL claims are still in the process of investigation and all access to my account information and all opportunity to recieve pertinent information regarding my open dispute claims and possibly help in the investigation has been denied. No provisional credits have been applied to be within the XXXX business days. They are not compliant with Reg E, Reg Z, or any type of error resolution process. Upon reading information on the CFPB site this seems to be a CONSISTANT issue with Bank Of America and are constantly unlawfully freezing peoples accounts and violating their consumer protection rights, which is probably why they have been fined by the CFPB for nearly XXXX XXXX dollars recently.

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 monetary relief