BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
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 am writing to formally submit a complaint against Equifax regarding inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I contacted Equifax to address discrepancies in my credit report. Despite my attempt to rectify the situation, I have not received any response from Equifax to date. 
Below are the details of the inaccuracies and the required corrections : XXXXXXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is incorrect and causing significant prejudice to my credit reputation. I recall a lower balance, and I request a revision of the Past Due information, as it is inappropriate to present such an amount for a closed, charged-off account. I urge your agency to mark this account as disputed promptly. 


XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$640.00} ) : The reported balance of {$640.00} is inflated and inaccurate. I dispute this amount and intend to contact the creditor directly to correct the information. I request your agency to mark this account as disputed until a resolution is reached. 


XXXX XXXX  Account ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ) : The reported balance of {$15000.00} is inflated and inaccurate. I dispute the entire account and insist on verifying the Date Opened and Date of First Delinquency. I have not been contacted by XXXX XXXX, and I request your agency to mark this account as disputed during the investigation. 


XXXX XXXX XXXX Account ( Date Opened : XX/XX/XXXX, Balance : {$11000.00} ) : The reported balance of {$11000.00} is higher than my recollection. As the account is reported as closed, Past Due information should not be provided. I plan to address this directly with the creditor and request your agency to mark this account as disputed during my attempts to resolve the matter.

Company response to consumer: In progress
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was breached by Equifax. I have written them on XX/XX/2022 and advised them not to use my personal information nor private information without written or verbal consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Over the last 90 days I have attempted to have my private mortgage insurance taken off my loan due to exceeding the guidelines and requirements for needing private mortgage insurance. I have exceeded over 22 % in equity Which is a requirement needed to no longer carry private mortgage insurance. I have provided fifth third bank with an appraisal and assessment that was done on XX/XX/XXXX by the Town of XXXX and is also listed as public records via the XXXX County Real Property Tax Services. The first time I sent a written request was XX/XX/XXXX via email to XXXX. They responded that my request was denied because they based the value of my home from the ORIGINAL APPRAISAL that was done at the time we purchased our home in XXXX of XXXX. For whatever reason they never pulled the most recent assessment which wouldve been easily accessible via public records. I then contacted customer service via phone and was told to resend that my written request via email and attach the appraisal assessment that I received from the Town Of XXXX and to reference the most recent XXXX county tax records. I have attached both documents below that I also sent to fifth third bank. The most recent written request I submitted was XX/XX/XXXX I was told I would receive a written response within 7 to 10 days and I did not. I just contacted them today XX/XX/XXXX and they are now telling me I need to have a Fifth Third appraiser do the appraisal and that I am responsible for paying for the appraisal. I feel they are trying to make me go through every obstacle and deterrent in hopes I give up so they dont have to remove it. I have provided them with everything they asked and more, to fulfill their request, and complete this process of having my Private mortgage insurance removed and ultimately my mortgage payment would be reduced. This is unfair, misleading, misrepresenting and I feel Ive been severely taken advantage of mentally and financially. Im sure Im not the only customer they have done this to. I have requested to speak to the correct department and they refused to transfer me to a live representative. They tell me that department doesnt take calls. I have asked to speak with a supervisor and they person I spoke with claimed to be a supervisor and there was no one higher than her I could speak with. During these tough times this is the last thing I need to be stressed out about and its cost me nothing but grief and misery during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: DC
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:
I have reported multiple times to all Credit Reporting Companies ( XXXX, Experian, and XXXX ) that XXXX  Account # XXXX has me late 60 days XX/XX/XXXX, 90 days XX/XX/XXXX, and 120 days XX/XX/XXXX. I was in forbearance from XX/XX/XXXX through XX/XX/XXXX. Therefore, I should not be reported delinquent. I submitted multiple disputes through the credit reporting documents with the forbearance letter, and it still reporting late because XXXX keeps saying all records are correct. In addition to disputing with the Credit Reporting Companies, I sent a letter to XXXX and no changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a home loan through XXXX XXXX XXXX XXXX  on XXXX XXXX. I received a notice of service transfer on XX/XX/2021 ( the letter is dated XX/XX/2021 ) that the loan had been transferred to Community Loan Servicing , XXXX effective XXXX. I had made the XX/XX/2021 payment to XXXX XXXX XXXX, and the check cleared my XX/XX/2021. The payment went to the previous servicer since the notice of transfer was not mailed until XX/XX/XXXX at the earliest and received by me XX/XX/XXXX. 

In the letter it states the XXXX payment must be made to the new servicer, which of course is not possible given the letter was mailed so late. On XX/XX/2021 I received a debt collection email from Community Loan Serving XXXX stating my payment has not been made and and is due to Community Loan Servicing. The payment of {$4800.00} had been made to the previous loan servicer. Community Loan Servicing has required that I provide proof of the XXXX payment. My issue is this is their problem as the servicer that bought my mortgage and executed the transfer so poorly that the transfer of service notice was not sent in time for me to direct the payment to them. They did state I have a 60 day grace period for late payment fees and credit reporting, but that if I did not provide this proof, my loan would be delinquent after the 60 days. This is at best nonsensical and very poor servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called the company to speak with their customer service department. It was at that time I requested the removal of inaccurate personal information. I was informed they were able to complete my request due to other reasons.

Company response to consumer: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the accuracy of information on my credit report maintained by your bureau. After a thorough review of my credit history, I have identified an inaccurate late payment entry that I believe may be the result of a bank error or system glitch. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I pride myself on maintaining a strong record of timely payments, and this reported late payment is inconsistent with my financial behavior. I suspect that there may have been a bank error or a system glitch that led to this inaccurate reporting. 
I understand that accurate credit reporting is crucial, and I believe resolving this issue is essential to maintaining the integrity of my credit history. Please investigate the possibility of a bank error or system glitch that may have led to this inaccurate reporting.

Company response to consumer: In progress
Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am writing to bring to your attention a series of issues that I have encountered with my credit report, and I seek your assistance in resolving these matters promptly. I have been facing discrepancies that have negatively impacted my credit score, and despite my efforts, these issues remain unresolved. 

1. XXXX XXXX Accounts : ** I recently discovered that three accounts were fraudulently opened in my name with XXXX XXXX. I promptly disputed these accounts with XXXX XXXX, who assured me that they had removed and closed the fraudulent accounts. However, I have observed that Experian has not updated my credit report to reflect the removal of this debt. 

2. **Open Closed Debt : ** There is an inconsistency in the reporting of closed debt on my credit report. A debt that has been closed is still reflecting as open, leading to an inaccurate representation of my credit history. 

3. **Rent Payments Not Reflected : ** Despite consistently making on-time rent payments for the past 60 months, my Experian credit score does not accurately reflect this positive payment history through the Credit Score Boost feature . This discrepancy has caused my credit score to decrease by XXXX points, currently standing at an inaccurate XXXX. 

Given the seriousness of these issues, I would appreciate your urgent attention and assistance in rectifying these discrepancies on my credit report. Furthermore, it is concerning that there is no option to upload supporting documents through the Experian platform. I kindly request guidance on the appropriate steps to provide any necessary documentation to support the resolution of these matters. 

I understand the importance of accurate credit reporting, and I trust that Experian will take swift action to investigate and rectify the discrepancies outlined above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. 

Sincerely, 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 explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We voluntarily surrendered our automobile to our bank, USAA. They picked the vehicle up and stated it would sell the vehicle at auction and we would be responsible for the deficiency. At the time we owed approximately {$14000.00} on our XXXX XXXX XXXX. 
On XXXX XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX on behalf of USAA . He stated I owed {$16000.00} for the deficiency on the XXXX. I asked what the vehicle sold at auction for because this amount is significantly more than I owed on the vehicle at time of surrender. 
XXXX said he does not show the vehicle was sold, I just owe the balance! I asked for clarification and confirmation that the vehicle was taken to an auto auction to be sold as I was told would happen. He said he could not provide any information, other than that I owed money over the phone. He said I would need to submit a request in writting for information on the vehicle and sale. 
I submitted a written request via email as i was instructed to XXXX, I requested an amortization schedule from loan origination to charge off.The original terms of the contract per the TILA, Payoff and Balance at time of the sale, amount the vehicle was sold at auction for, the name of the auto auction that the vehicle was taken to, the name of the repossession company and a case be opened for my complaint also that they provide me with a case number and Point of Contact to get this resolved.. 
All train did not respond to me so submitted a follow up email on XX/XX/XXXX. I still was not responded to and submitted a 2nd follow up ( 3rd attempt to contact ) on XX/XX/XXXX. 
I have not received any notification that they have resolved, corrected or investigated this. However the charge off and balance still shows on my credit report. 
It is my belief that either the repossession company or an employee at XXXX/USAA took possession of the {$100000.00} car and charge the balance off against me. 
I need help to get his resolved. 
I am a XXXX XXXX XXXX Veteran and XXXX  struggling to keep my business open post COVID and this is impacting my ability to get credit and assistance. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 2021-10-12
Company: SYNCHRONY FINANCIAL
State: IL
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 made a purchase at XXXX XXXX in XXXX XXXX, IL on XX/XX/. I was asked to apply for a credit card. To my surprise my old credit card was no longer valid. I was in the store nearly two hours waiting. The result ended in no response because their system was not functioning. I paid for my items and left the store. I was in the store from approximately XXXX to XXXX XXXX. 

I did not hear anymore from XXXX XXXX. I checked my credit report with XXXX XXXX XX/XX/. I noticed a credit inquiry dated XX/XX/XXXX  ( XXXX XXXX ). I contacted XXXX XXXX regarding this hard inquiry late XXXX XX/XX/. The female representative was very rude. She told me that I had been rejected for a credit card. She could not provide a reason. She also could not tell me when this rejection was approved. I contacted XXXX  XXXX again early XX/XX/XXXX  and I was told that I was rejected for a credit card on XX/XX/. Again the representative was not sure why the rejection occurred. This representative was much more professional than the previous person. She could not understand why an inquiry made on XX/XX/XXXX  was not determined ( rejected ) until XX/XX/. 

I had not given XXXX XXXX permission to check my credit after my in-store application on XX/XX/2021. I was surprised to see that the actual date of the credit check was XX/XX/2021 after I was told that nothing went through. The credit department at XXXX XXXX explained that they were understaffed and apologized for the long wait on XX/XX/2021. I want this hard inquiry removed from my credit report because this is fraudulent on XXXX XXXX 's part.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
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 accounts and inquiries in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Receivable Solutions, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a collection debt on my credit report. I disputed it with XXXX. They " verified '' the debt. I sent a letter to the collection agency disputing the debt with the amount owed, my name, the original creditor, and a partial account number. The collection agency responded that they were " unable to identify an account in [ their ] database. '' They requested I send them additional personally identifiable information to assist me. 

I then sent their letter and the one I sent them to XXXX to dispute the debt and have it removed since the creditor can not verify the debt to me without additional information, but can somehow verify it to XXXX. I am under no obligation to provide my personally identifiable information of a collection agency that may or may not be trying to collect a valid debt in order to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NY
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:
Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation