BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
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: Account status incorrect

Complaint:
Its showing this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as open but it was part of Bankruptcy and should be closed and removed off my account. The see Court Petition attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was told my payments will be {$980.00} a month for 11 months and then {$2000.00} for the next 178 months. I am XXXX  on a fixed income and with the bills I have the amount is not possible for me to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
State: FL
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:
I am a natural person, I am a living human being, I have a rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00} XXXX {$1100.00} XXXX XXXX XXXX {$8900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TN
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:
I sent Experian another request to correct my personal information and they are stalling. They sent me some email letter stating they recevied a letter from me about identity theft which is not the case. Attached is the letter ( email they sent me ) and the letter i sent them to request my information to be corrected as they are continuing to have inacurate information and employment that isn't correct on my personal information. I sent them my ID, Proof of address with my utility bill and they are playing delay games. See below and attached and update this information asap. 

I recently reviewed my credit profile and noticed inaccuracies, false accusations, and fraudulent reporting of accounts. Anything that does show the most accurate information like my legal full name is exactly : My full name : My current address : My SSN : My date of birth : Below are the inaccurate items with instructions on how to proceed : Any addresses, employment, and phone numbers listed on my credit report aside from these details above should be immediately removed. 
Please delete all personal information aside from this if you can't provide evidentiary PROOF the legal right to retain such information. Once you have updated, please mail me an updated copy of my credit report. 
I appreciate your full attention to my request ; and your cooperation in speedily bringing my credit report into compliance. 
Below you are still showing inaccurate information : After my last request from XX/XX/XXXX  you are continuing to violate my rights by sharing my information without my permission as seen below from the last credit report pulled by me XXXX XXXX nor did you send me a copy which is my right to my address XXXX XXXX XXXX XXXX, TN XXXX as requested. Delete all of this personal information as requested above and in my former request that isn't correct. 

Any addresses, employment, and phone numbers listed on my credit report aside from these details above and attached should be immediately removed. 

Thank you for your assistance! 
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 2021-10-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Continental Finance Company, LLC
State: NV
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 this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 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 refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer creditor plan as late for any purpose.

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 2023-06-01
Company: Experian Information Solutions 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:
XXXX accounts fraudulently opened without my authorization. Filed identify theft report as well as multiple police reports and sent to credit bureaus for removal of fraudulent information not belonging to me. They have either not responded or continued to leave incorrect information on report. Have not provided me proof that anything was investigated or verified to date.

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 2023-02-28
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We currently have PMI ( private mortgage insurance ) on our current mortgage. We went through our mortgage provider ( Newrez ) to apply for PMI to be dropped in XXXX of XXXX. Newrez sent out an appraiser to asses our property on XX/XX/XXXX and they appraised our property at the same price that we purchased the house for in XXXX. Because this, they denied us of being able to remove our PMI payment. After many renovations done to the house over the course of 2 years, we find it hard to believe that our house appraised for the same value that we bought for given the state of the real-estate economy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone stole my identity and opened up a checking and savings account with USAA. I called when I originally noticed ( a day after opened ). The verification question was my parents birthdays. I gave the correct ones and usaa said that is not correct. They said i can not do anything or be transferred without being confirmed its me. I described situation and offered to send any forms to prove it was me including social security card, federal and state ids or anything else. They didnt want anything bc I didnt know the security question the scammer created. I said can you at least pause the account to prevent any additional fraudulent activity or close it temporarily. They said no. I have no way to close this fraudulent account. I called them XXXX  times now. I am so frustrated and just want the account closed because its not me. They can not and will not do anything to move this along. I have recording of usaa person saying everything stated above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: GA
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:
These accounts are not mine. I need these accounts removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Obtained a title loan on my vehicle in 2020 when I found myself in a tight financial position. My situation deteriorated and, ultimately, the vehicle was repossessed I contacted the lender several times after they took the vehicle to work out a resolution and possible get the vehicle back. No one would return my call and was even told on one call that if there was a surplus after the vehicle was sold I " might '' get it unless " we decide to give it to someone else '' ( her exact words ). Several personal items were in the vehicle and was not given an opportunity to retrieve them before they sold the vehicle at auction. 

A few weeks after they took the vehicle and no return calls to work something out I received a letter in the mail from the lender ( which I am now unable to find ) stating that there was a surplus left and I was going to be getting approximately {$1800.00} +- back and to contact them. When I contacted them, I believe in XXXX of last year ( 2020 ), they stated it would take them 90-120 days to process the refund check to me. I've been a lender and have not heard of it taking that long to get the surplus funds to a borrower. 

As of today, XX/XX/XXXX, I have not received anything from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express Reported my Credit Card account ending in XXXX to the Credit Bureaus as late, charged me late fees, and proceeded to close the account when they were not supposed to do that. 
Your actions are in Direct Violation of The Fair Credit Reporting Act ( American Express Account Ending XXXX ) and have violated several of my rights. 
15 U.S.C. 1681 Section 602 A, clearly states that I have a right to Privacy. 
15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include a report containing information solely as transactions or experiences between the consumer and the person making the report. 
Remove these late payments and update this account immediately, as you are in direct violation of several laws under The Fair Credit Reporting Act. 
A dispute was filed via email and USPS mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent a letter to Experian and XXXX asking them to investigate the source of information found in my public record section of my credit report. I received the results stating it was reported by XXXXXXXX XXXX XXXX XXXXXXXX or XXXX XXXX. I sent a letter to both the XXXX XXXX XXXX and XXXX XXXX. Both the courthouse and XXXX XXXX has no record of supporting the results sent from Experian or XXXX. According to the FCRA all information on my credit report must match and be accurate. XXXX has not public record reporting and this is a violation from EXPERIAN AND XXXX reporting false and inaccurate information on my credit report. They have not validated the information on my credit report accurately and I am asking for immediate removal of XXXX, inaccurate public information on my credit report. I was incarcerated the time this XXXX information was attached to my name. I have sent proof to both Experian and XXXX showing I am a victim of IDENTITY THEFT, and I did not authorize anyone to use my name to obtain goods or services in my name while incarcerated. XXXX XXXXXXXX # XXXX showing on Experian is not accurate and needs to be REMOVED asap for accuracy. XXXX XXXXXXXX # XXXX on XXXX is inaccurate and needs to be REMOVED asap for accuracy. All information must be accurate on all my reports and it's not. Please Uphold the FCRA credit laws as they should be held accountable. This is not an error or mistake me asking for the information to be immediately removed. Please see attached documents for proof.

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 2023-07-12
Company: EQUIFAX, INC.
State: GA
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:
In XX/XX/2023 I was reported by my mortgage as being 30 days late on my monthly. Payment which incorrect. I contacted the the company and reported this inaccuracy and was unsuccessful in this being corrected. I've been paying on this mortgage for 51 months never late that in itself should speak volumes to my character. I have great credit and this has impacted in a negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am having problem with Experian Credit reporting agency. 
I am filing again because I strongly disagree what is only in Experian showing late payment on my Closed - Mortgage with XXXX. This Account closed on XX/XX/XXXX. 

When covid started back at the beginning of the year in XXXX, I reach out to my lender XXXX and was granted Forebearance. My work office in XXXX was closed down due to covid this was mandatory and affected all employee in my office and my jobs, while I learned to work remotely from home. 

I should not be showing any late payment for the year of XXXX, because I was granted Forebearance with XXXX. I have no late payment in XXXX and XXXX with XXXX on my mortgage. 

Only problem is totally at Experian, showing me with late payment in XXXX XXXX in XXXX. Under the Forebearance that the President signed back in XXXX President Trump sign into Law to help struggling homeowners. My Lender XXXX helped all homeowners who had problems with covid and jobs and health was affected. 

Under forebearance... no late or missed payment shall be reported to any of the 3 reporting credit agency. -- -- Yet there it is... .under Experian,,,,, I am being reported. 
I am requesting -- -- my credit report -- -only Experian... .remove those late payment for the year XXXX under XXXX. I was under forebearance. 

Also I need to show a Final payment was made on XX/XX/XXXX,,, ,to close my Mortgage with XXXX. All the payment for my Mortgage got caught up and paid in Full on XX/XX/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 2021-10-25
Company: Mountain Run Solutions, LLC
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: Account information incorrect

Complaint:
I have an account showing up on my credit report as a collections for XXXX XXXX . This account was paid off by the company assigned to collect which was XXXX XXXX XXXX on XX/XX/. A company by the name of Mountain Run Solutions is still attempting to collect an inflated amount of money that is not owed. I have disputed twice with the credit reporting agency by submitting a PAID IN FULL letter and the Mountain Run Solutions company continues to call, text, and renew this account on my credit... which is negatively affecting my score.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: EQUIFAX, INC.
State: GA
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:
A fraudulent credit card account was opened in my name. I tried everything to find out who did it but did not know who. I then had someone work t fix my credit because I didn't know what to do. I was told to file a dispute with the credit bureaus. They did not remove the account. I filed an FTC report ; the fraudulent account remained. Then I filed a complaint with the XXXX. The account still remains. The company says they are conducting their own investigation, but that is unacceptable, as I have submitted the necessary paperwork to prove my situation. I even filed a police report and this information is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 just received my credit report and I noticed unauthorized items that shouldn't be reporting sure to identity theft

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 2021-03-04
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:
A student Loan from a company called XXXX appeared on my credit report. This does not belong to me and i don't have any association with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Bread Financial Holdings, Inc.
State: ID
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number called me 7 times in the span of 1 minute this evening at XXXXXXXX XXXX, as they did this morning at XXXX XXXX They did not identify themselves or leave a message. I had to look up their number to see that theyre associated with Comenity Bank XXXX

Company response to consumer: Closed with non-monetary relief