BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-28
Company: EQUIFAX, 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 information incorrect

Complaint:
I have a Auto loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX, XXXX and XXXX XXXX with no successful resolution. Equifax, XXXX and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2022, at XXXX XXXX, I spoke with XXXX in Experian 's consumer affairs department in regard to an investigation completed by Experian. XXXX XXXX stated that my case was being handled by a XXXX XXXX XXXX and he immediately transferred me to XXXX XXXX who I left a VM for and received a call back. In speaking with XXXX XXXX, I requested that he explain to me how Experian had concluded its investigation on XX/XX/2022, If the court stated that they did not report to them nor did XXXX XXXX report to them the " Accuracy and Completeness '' of this bankruptcy record on my credit file. XXXX XXXX replied, " Even though XXXX has deleted the record ; your information is being match with the courts ''. I responded to XXXX XXXX by informing him that the information Experian may have received from XXXX is inaccurate/incomplete and that according to the FCRA, they must contact the courts to ensure that accuracy of the record reporting on my credit file. XXXX XXXX stated that " WE DO NOT HAVE TO CONTACT THE COURTS ''. According to the attached disputed results, Experian stated that they contacted the public record vendor and they have certified the accuracy of the record. I have attached a copy of the online dispute portal and results. I have attached a copy of a previous complaint in which Experian stated once more that it had contacted the public record vendor, which is FALSE. I am requesting in writing the name and address of this public record vendor or court in which Experian states it certified to them the accuracy of this record which it continues to " PARROT '' and not verify. Experian 's dispute disclaimer states " The Federal Fair Credit Reporting Act states that you may request a description of how we verified the information, including the business name and address contacted and the telephone number if reasonably available '' I am requesting the NAME AND ADDRESS of the company or court Experian has contacted. I request that this information be sent in writing. It is to be noted that Experian according to XXXX XXXX has violated FCRA 616 ( a ) ( 1 ) ( a ) Civil liability for willful noncompliance and FCRA 611 ( a ) ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Sequium Asset Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from Sequim Asset Solutions regarding a past due amount from XXXX XXXX. I had been in contact with XXXX numerous times regarding their incorrect charges for services they were not able to provide, have been told this would be escalated and resolved and despite numerous calls and hours being kept on hold they have never responded or corrected the bill so I refused to pay. I also put this in writing and mailed this statement to Sequium Assets on XXXX which was prior to their stated dispute final date of XXXX however they still put this collections on my credit report and never reasoned to my written dispute. I have also called Asset and was told the will note my account and look into it but could not tell me why they still sent this to collections despite having my dispute prior to their deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2023-12-18
Company: SERVICEMAC, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I refinanced a couple of years ago and now ServiceMac holds my mortgage. I have lived in my home since XX/XX/XXXX. With other mortgage companies I would receive a statement in the Fall showing what my new property taxes and insurance would cost and would be given the option to have the new higher amount rolled into my monthly payment or the option to pay the projected shortfall ahead of time and keep my monthly payment the same. I have always opted to pay ahead and keep my payment the same. ServiceMac does not give this option. I went through calling them last year, giving a payment for the amount shown on the Annual Escrow Account Disclosure Statement and then the payment still went up. When I called they were rude and one message even said something to the effect of " if you can read ... ''. This year I spoke with XXXX, a customer account rep, on XX/XX/XXXX. XXXX was professional, but put me on hold and looked at notes, then came back on and said that I can't pay the shortage ahead and that, even if I did, my payment would still go up ( I'm sure the call is recorded ). I said I have always been given the option to keep my payment the same ( with other companies ) and he said something to the effect of " it's never been that way ''. 

I did search online and see that another customer filed a complaint about ServiceMac for the same issue. I would like ServiceMac customers to be given a clear Annual Escrow Account Disclosure Statement clearly showing the option to pay all escrow shortages ahead of time, in order to keep monthly payments the same.

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 2023-05-01
Company: EQUIFAX, INC.
State: NE
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:
This is embarrassing not only for me but also for my family and me, and I'm so stressed out and disappointed that it's happening to me and my credit report. It is clear that either you made a mistake or that the business erred in reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-12-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I wanted to send a book as a gift. I purchased the novel " XXXX XXXX XXXX XXXX '' on XXXX and XXXX on XXXX. The book is by XXXX. XXXX, a XXXX XXXX wining author. 

Instead of sending the book I paid for, they sent some weird comic book. A picture of that book with the receipt is attached. 

When I informed XXXX and XXXX of the error, they refused to rectify it. 

I went to my credit card company to protect me from this fraud. I filed a dispute and they requested evidence, but forbade sending any photos or files as evidence. I therefore sent them a recounting of what happened. 

XXXX failed resolve the dispute in my favor. With no notice to me, they reversed my credit. As a result, XXXX and XXXX stole my hard earned money and I never got the book I ordered.

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 2023-06-26
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Kimbal Tirey & St John law on behalf of XXXX XXXX XXXX filed an unlawful detainer against me on ( XX/XX/XXXX ) for non payment after they agreed ( XX/XX/XXXX ) to extend the 3 days notice ( XX/XX/XXXX ) and accept a cashiers check on XX/XX/XXXX for XXXX rent past due ( {$2500.00} ) and after the 3 days notice expired ( XX/XX/XXXX ). 

After receiving the check on XX/XX/XXXX management demanded {$1100.00} for a balance they claimed to be for legal fees, late fees and utilities ; but failed to issue an itemized invoice when I requested. They refused to send me a copy of my residents ledger and locked me out of the residents portal where I could verify my account history. 
As an attempt to justify the wrongful unlawful detainer, they fabricated a lease agreement and resorted to deceitful lying in court. XXXX XXXX, assistant manager, denied receiving payment for XXXX, XXXX and XXXX ( total amount of {$7800.00} ), when evidences proved her wrong she falsely stated she kept my check as per my request. 
She wasnt the only one lying under oath. XXXX XXXX, process server hired by plaintiff legal team filed a fraudulent perjurious Declaration of Diligence on XX/XX/XXXX. 
When XXXX XXXX ( XXXX ) reached out and identify himself as a debt collector I forwarded an email I had sent his colleague XXXX XXXX requesting a copy of my residents ledger, management never sent me a statement. I also attached copies of the cashiers check management kept it in the office until XX/XX/XXXX. XXXX handed it back 26 days later and wrote me Per our conversation in person today, I handed back your check payment you made, because we cant accept your payment until the total balance has been paid in full The lawsuit is asinine. 

Holding my check for 26 days was deceiving then filing an unlawful detainer for a balance no one could account for is defrauding. 

XXXX XXXX also stated charging me utilities before my moving day. Due to covid I had to delay moving from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-26
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

inquiries XXXX XX/XX/2021 XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MI
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim 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 2021-12-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Well my accaunt was shut down by chime becuz i forgot my password after contacting them they asked me to provide them with certain items such as two valid identification so i did after they verify and saw it was me they asked me for a phone bill so i could put my new phone # in i also did that and they keep giving me the runaraund abaut the bill saying to provide them with that document wen i did im going on three weeks without my money and its not right if they already verified its me wuts the problem i think that they are the real scammers talking abaut fraudulent activity the only fraudulent activity is wut they are doing chime is no good

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX XXXX courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian XXXX they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached I have also attached communication from XXXX XXXX confirming they do not have bankruptcy on file for 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 explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: MO
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have late payment entries that have been recorded on XXXX, XXXX XXXX  XX/XX/2019 ; XX/XX/2019. I have a solid track record of making on-time payments for this account. Therefore, I have reason to believe that this reporting is inaccurate.

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 2021-12-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Notice, it is a fact, affiant is aware, if there is an account which comes back verified pursuant to 15 U.S.Code 1681a ( XXXX ) there must be an investigative report with the source of the report coming from interviews of family and friends and the results can not contain factual information. I, the affiant, allege no such verification based on an investigative report exists. it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( XXXX ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed must be removed. Please submit a certified copy of the existence of this report with a statement under penalty of perjury that this report was not altered or manufactured in any way. Without this information this is a violation of 15 U.S.Code 1681a ( XXXX ) and the accounts listed must be removed. 

This is a collections account showing the balance Account number : XXXX XXXX XXXX XXXX 
Please remove this inaccurate information from my credit report The following is a collections/charge off. Balance should be {$0.00} Account number : XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

The following is a collections/charge off. Balance should be {$0.00} Account number : XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report Erroneous direct violation of FCRA Account number : XXXX XXXX MAIN Please investigate and remove from my credit report. 

The following is a charge off. Balance should be {$0.00} Account number : XXXX XXXXXXXX  XXXX XXXX. 
Please remove this inaccurate information from my credit report. 

The following is a charge off. Balance should be {$0.00} Account number : XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

Erroneous direct violation of FCRA Account number : XXXX XXXX  Please investigate and remove from my credit report. 

This account is closed Account number : XXXX XXXX XXXX Please investigate and remove from my credit report. 

Erroneous direct violation of FCRA Account number : XXXX XXXX  XXXX Please investigate and remove from my credit report Erroneous direct violation of FCRA Account number : XXXX XXXX XXXX Please investigate and remove from my credit report. 

Erroneous direct violation of FCRA Account number : XXXX TXXXX Please investigate and remove from my credit report.

Company response to consumer: Closed with explanation