BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau Dear XXXX XXXX XXXX write to express my acute frustration and disappointment with your flagrant mishandling of my previous request. Your egregious errors have not only violated Section 611 ( 15 U.S.C. 1681i ) and Section 623 ( 15 U.S.C. 1681s-2 ) of the Fair Credit Reporting Act ( FCRA ), but they have also put me at a significant financial disadvantage, causing unnecessary stress and emotional turmoil. 

The accounts I demanded to be added are as follows : XXXX. XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX- [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. SYNCB/AMAZON PLCC XXXX XXXX XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX XXXX XXXX - [ XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] The failure to include these accounts in my credit report adversely impacts my creditworthiness, hampers my financial planning, and obstructs my eligibility for loans and credit applications. This is an unacceptable and grievous error, which I demand be corrected immediately. 

I insist upon the following : XXXX reinstatement and addition of all the accounts listed above. 
Written confirmation acknowledging this correction. 
An updated copy of my credit report reflecting these changes, as per FCRA Section XXXX. 

Failure to comply within the XXXX FCRA-mandated window XXXX force me to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX and pursuing all available legal remedies under Sections XXXX and XXXX ( XXXX U.S.C. XXXX and XXXX ) of the FCRA. 

This is your final opportunity to resolve this before I take further legal action. I expect immediate and effective resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am blocked on line with rp Funding to make a payment. My chime bank does not give checks or online bill pay. I was approved for XXXX. A supervisor from rp FundinXXXX approved all fees to be waved while XXXX is making partial payments for me. I call to make payments I was told several times after calling 13 times to make {$110.00} payment they won't wave the fee of XXXX. I don't have XXXX and have no vehicle. I am a XXXX XXXX  and I am be I ng penalized because of it. They don't care that a supervisor XXXX XXXX has approved the over the payment fee be waived until XX/XX/2023 when I get off XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax continues to allow a bogus company to bill/ rebill charges that do not belong to me on my credit report. I have disputed the matter for a total 5+Yrs with no relief whatsoever. I have also advised the company XXXX that the charges do not belong to me or any of my dependents as we had in the past XXXX and XXXX XXXX XXXX. To date I have XXXX and XXXX and all of my medical services are in the state of Georgia and have been since XXXX. The company XXXX billed me on my credit report for both {$860.00} and {$920.00} back in XXXX, since this time I have successfully disputed these bogus claims with both XXXX and XXXX ; however, Equifax will not remove them. Last month XX/XX/XXXX, Equifax removed one of the XXXX charges only to replace the same amount/charge under XXXX with a bogus date of reporting the charge/ service in XX/XX/XXXX allowing the same bogus charge to reside on my credit for another 7long years. I have placed a notice on my Equifax credit file indicating that I infact do not owe any medical charges in any state but Georgia and that both my Government ( XXXX & XXXX ) issued medical insurance plans take care of all my health care needs fully. 

Please help me combat Equifax bogus reporting as nothing I do seem to get them to resolve the matter and it affect and effect my credit score when a company seeks their assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. As a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer rights had been violated. I can not believe companies of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-07-05
Company: EQUIFAX, 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:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX 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 2019-09-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have had an account with American Express Bluebird for several years with no issues. then on XX/XX/2019 at XXXX XXXX I received an email that my account was suspended. I wasn't sure if It was a spam mail or not so I called the number on back of my card and it was confirmed by a recorded message to be suspended. I then called the number given in the emails and asked why this happened and the representative I spoke with said he was not allowed to tell me then promptly hung up on me. I am on SSI XXXX and have it setup direct deposit. It looks like I will not be getting my check for XXXX because of this, I need that to pay my rent, electric, groceries, and to travel for several medical appointments coming up. I also had a remaining balance on the card I would like to get back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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:
I opened a XXXX XXXX account on XX/XX/XXXX XXXX XXXX The account is now 11 years old and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, Transunion and XXXX credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this 11plus year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.

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 2023-01-30
Company: Dovenmuehle Mortgage, Inc.
State: MS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to XXXX, our household had loss of income in XXXX. In an attempt to keep our head above the water, we went the XXXX forebearance route on our mortgage. Our mortgage company is reliance/dovenmuele and our loan was current when we entered the forebearrance. Close to the year mark of being in forebearrance, in XX/XX/XXXX, I contacted the loan servicer to end our forebearrance and do the partial claim with the missed payments by adding them to the end of the loan or a second interest free loan. I received paperwork for a loan modification and refinance in XXXX that had an extra {$12000.00} added to the refinance. I contacted the servicer again due to the paperwork not being the partial claim or the correct total. The mortgage servicer has not once contacted me or returned my phone calls. I received another set of paper work 3 months later in XXXX and another set in XXXX, all while trying to communicate with them that the amounts in the documents arent correct nor are they the partial claim we discussed and was available to me. I have left messages and made Inquiries as to ending the forebearrance. I could not resume payments bc the mortgage company would not accept them while my forebearrance was still active. On my mortgage account documents, there are notices for XXXX, XXXX, and XXXX that I never received or was contacted about requiring me to pay all missed payments by the first of the month. The accrued amount has increased monthly and now they are reporting my loan as being delinquent for all the payments. Still, no one can tell me whats going on and requests for contact for information are ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-03-30
Company: EQUIFAX, 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's truly unreasonable that I've always made payments on time for this account and have never been tardy. Please ensure my account accurately reflects this.

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 2022-12-15
Company: EQUIFAX, INC.
State: NY
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 so perplexed and doubtful about this situation. I have no idea what is going on over there at the CFPB. I have submitted the same complaints three times already, and you claim Im not the one submitting it. This is so absurd! So Im submitting it again and hopefully you are going to take steps this time. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH
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 have 3 different collections on my credit report from the same school the I never attended they never even received my verifications for me to even start later I explained I couldn't attend then I'm hit with 3 different charges totaling XXXX how is that possible this has hurt my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB :XX/XX/XXXX. I had to move do to job loss and never had a bill update.

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-12-15
Company: EQUIFAX, INC.
State: OH
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 have 3 different collections on my credit report from the same school the I never attended they never even received my verifications for me to even start later I explained I couldn't attend then I'm hit with 3 different charges totaling XXXX how is that possible this has hurt my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
A XXXX prepaid gift card was purchased at XXXX on XX/XX/XXXX for {$50.00} which does not expire until XX/XX/XXXX. Upon checking the balance and putting in the card number and the pin I found out the card has no balance. I called the number on the card several times in the past years and when I gave the security code of XXXX is incorrect. I called them again on XX/XX/XXXX and spoke with XXXX at XXXX am, XXXX at XXXX am who was rude, raised is voice and spoke to me in a tone I didn't appreciate. He told me it was purchased at XXXX on XX/XX/XXXX for {$50.00} but that there were no purchases on this card and that the problem could be with the information entered upon purchase of this card at XXXX I was then referred to XXXX and after talking to XXXX that same day, XX/XX/XXXX who told me she could not pull up the transaction and I was then referred to XXXX XXXX XXXX and spoke with XXXX in the XXXX who did not help me.I left a message for XXXX management to call me back but haven't heard from them. 
I called US Bank National Association today XX/XX/XXXX and received no assistance.

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