BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have communicated with the company. They called me on cell phone with intent to harass and annoy. Please audit the company and have them list all calls to my phone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
Product: Credit reporting 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:
This is completely inaccurate. 

XXXXXXXX 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 2018-04-19
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 fraud alerts or security freezes

Complaint:
Experian credit has refused to unfreeze my credit causing harm. XXXX XXXX, XXXX   unfroze my credit in 10 minutes after finally reaching customer service they ran me through the gamut after 15 minutes XXXX comes back on the phone it tells me he cant ask me security questions to unfreeze my credit file. Unacceptable I complained earlier in the month about their service they took it to heart apparently since I could not get a customer service representative back on the phone because they never answered my call they blocked me out I went online to my Experian account they locked me out of that and told me to call their number which they never answered and hour later hour and a half later never came on the phone Im trying to get insurance coverage on my home in my car and I cant get Experian to unlock unfreeze my account this is unacceptable it is been painfully mentally and physically a bad day for a company to do that to a customer something must be done to stop this unacceptable business practices!

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 2023-10-09
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within XXXX business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. 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 non-monetary relief
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  isnt license to collect on debts in the state of California. They are illegally trying to collect on a debt. I provided documentation to prove that. Remove account from XXXX, TransUnion, and 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 2019-02-01
Company: EQUIFAX, INC.
State: OR
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:
In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX XXXX in XXXX XXXX   with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am unemployed not recieving anymore unemployment insurance XXXX  XXXX harrassimg me with phone calls up to 8 times a day, harassing my injured XXXX XXXX great uncle and refuses me any sort of repayment options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: Performant Financial Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently checked my free credit report with XXXX  and noticed that there was a collection of debt for listed on my credit report. According to the credit report, the date assigned for this debt was XX/XX/XXXX for an original amount owed of {$2600.00}. After fees for collection, the total amount owed was brought up to {$3900.00}. I have continuously tried to get in contact with the collections agency that was in charge of my debt. Unfortunately, there has been no communication from the collections agency with me. Every time that I try to call and communicate with them, the call goes straight to voicemail. I have also tried emailing this company and no one has responded to any email I have sent. It has been impossible to communicate with them and I'm afraid that by not being able to talk to them, it is going to continue to hurt my credit score. 


XX/XX/XXXX : first learned of debt that had been sent to collections in XX/XX/XXXX from obtaining my credit report from XXXX. 
I have never personally received a phone call, email, or anything in the mail about this debt that has been in collections since XXXX. 

XX/XX/XXXX : Attempted to make contact with Premiere Credit of North America at XXXX XXXX with no answer. Was told to leave name and number and they would get back to me. 
Initiated another phone call at XXXX with no answer. 
Went on Premiere Credits website and listed my email and contact info on their contact us tab. 
Initiated another call at XXXX XXXX with no answer XX/XX/XXXX : Attempted to make contact with Premiere Credit once again at XXXX with no answer. 
Initiated a phone call at XXXX XXXX with no answer Decided to wait one week to hear from Premiere Credit before attempting to call again. 

XX/XX/XXXX : attempted to call at XXXX XXXX  and it went straight to voicemail

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 2019-02-01
Company: Experian Information Solutions Inc.
State: GA
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:
I recently pulled my credit report and to my amazement saw that XXXX XXXX XXXX   have decided to report me past due on this account in XX/XX/2015. I have previous credit reports from both agencies pulled in XXXX of 2015, and neither one of these reports show me late in XX/XX/2015. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately. 

Please correct this listing to paid as agreed never late, and remove the past due for XX/XX/2015.

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 2023-10-09
Company: EQUIFAX, INC.
State: TN
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:
Upon reviewing the accounts on my credit report, I noticed multiple unauthorized accounts reporting from a creditor " Dept. of Ed/XXXX '' on my credit report without my consent which is required by law and is out of compliance with the law per 15 USC 6802B , 15 USC 6801, 15 USC 1681b ( 2 ), 15 USC 1692 . 
I was not given proper " opt out '' disclosures per 15 USC 6802B, they furnished accounts on my credit report without my written or electronic consent per 15 USC 1681b ( 2 ), and I have a right to privacy per 15 USC 6801. I am not denouncing the financial obligation of the accounts, but I am requesting that the accounts be blocked and deleted from my credit reports for privacy reasons and as a result of their failure to be in compliance with the laws of the FCRA.

In addition to this complaint my family is dramatically affected. This issue causing me mental anguish and emotional distress because of my inability to obtain a new home as a result. I am requesting that this situation be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Southern Fidelity Mortgage Group of Huntsville
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I chose the XXXX XXXX as my lending company as they offered the lowest rate. I was given a VA lock set to expire in XXXX with construction completion scheduled for XXXX. As delays began to occur, I reached out to the lender to express my concern regarding raising interest rates. I received what appeared to be an official letter, on company letterhead, signed by XXXX XXXX himself which stated " Please let this letter serve as verification that we will lock your VA rate at 3.75 % ( 30 years ) for 90 Days ( tomorrow ) for the purchase XXXX XXXX XXXX XXXX AL XXXX. Should construction not be completed per VA standards within the 90-day period, we will extend or relock your rate for no additional fees in the form of origination costs, discount points, underwriting or processing fees. This applies to lender fees only as we can not control 3rd party costs. '' The mandatory language of " we will '' set my mind at ease and I didn't pursue another lender or concern myself with rising rates. Now that a closing date has been set I was sent an email from the lender with a rate adjustment based on current market conditions of 6.1 %. Of course it came with an apology and statements such as there's nothing they can do. The agent went as far as to say they felt so bad about the situation they tried to waive their commission but unfortunately was unable to do so. I called XXXX XXXX who expressed the same sentiment and after I said his actions were unethical and I would be filing a complaint, he attempted several times to offer me a better rate. I decided to change lenders as I have lost all trust and confidence in the XXXX XXXX and have lost tens of thousands of dollars over the course of my loan as a result of XXXX XXXX 's unethical business practices. I should've been given the opportunity months ago when I expressed concern to find a better rate to lock into instead of being sent a letter that isn't worth the paper it is written on. Any help resolving this matter is greatly appreciated. I will be seeking legal representation to recoup monies lost due to this fraudulent letter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 non-monetary relief
Consumer complaint received 2023-05-05
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XXXX XXXX XXXX then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With Shellpoint Mortgage, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to Shellpoint, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation