BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i XXXX XXXX checked my credit report and i noticed some fraudulent an inaccurant accounts on my credit.i then proceeded to reach out to the credit reporting agencies for remedy the situtation but would not help me correct these fraudulent an inaccurant accounts.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2023-02-23
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:
For many years since XXXX and Present Equifax has put many negatives and collections on my credit report and I have filed many Federal complaints and Equifax ignore in deleting the negative collections and negative marks on my Equifax Credit report. 

Equifax allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
Equifax even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX  Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX Claim XXXX # XXXX Refuses to send my check by US Postal Mail XXXX XXXX, XXXX XXXX XXXX Mail XXXX XXXX Mail XXXX XXXX XXXX requested. 
Email : XXXX I am Respectfully XXXX Life and Retired and a XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, INC.
State: IN
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2020, I tried to temporarily lift a security freeze on my Equifax account using the website, at XXXX XXXX. 

The website was unresponsive after I got to the " lift freeze '' step, and then after clicking " refresh '' and retrying several times I finally got through to a screen that simply said " We can't complete your request right now ; try again later. '' I also tried to call Equifax but they are closed after XXXX. 

I have a deadline of XXXX to lift the freeze so that I can take advantage of a good mortgage rate and get the rate lock in place. 

Note that Equifax is required BY LAW to lift a freeze within one hour of a request, either on website or phone. Their phone lines are down, and the " unfreeze '' button on the website is broken. 

It's possible I'll miss out on a good interest rate due to Equifax 's incompetence. 

I don't understand why these scammers are still allowed to operate. Clearly the lawsuit they lost hasn't made them fix their corrupt operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: KY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$4200.00}

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 2020-08-05
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Company discharged debt ( per 1099C dated XX/XX/2017 and their letter dated XX/XX/2017 ) and provided a 1099C for the 2017 tax year. With these 2 actions, the debt is no longer owed to the creditor. 

The creditor reported to the IRS that it has cancelled the debt, thus creating taxable income to the consumer. By definition of the tax form itself, the 1099-C says : Cancelation of Debt. As the consumer I can not be forced to both pay a debt and show the debt as income. The debt can not be considered both cancelled/discharged and still due. 

This account should have a XXXX balance and no reported history after XX/XX/2017. Any negligence in failing to correct the discrepancy or continuing to report both a balance due and negative payment history will be construed as failure to comply with the FCRA and tax fraud. Combined with the letter provided and the 1099C this is sustained proof that the creditor has CANCELLED the debt.

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 2022-08-09
Company: Experian Information Solutions Inc.
State: NY
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/2022 I sent a certified letter to the 3 credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all XXXX credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported.

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 2022-12-21
Company: CATHAY BANK
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Check writer from Cathay Bank ( routing code XXXX ) who made electronic deposit to my account in person at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) on Friday XX/XX/2022 with status " Pending '' means fund is not available and in process. The fully funds available will be on Saturday XX/XX/2022 which was printed out on a XXXX XXXX receipt. The full funds were posted on my account on Saturday XX/XX/2022 through Tuesday XX/XX/XXXX, XXXXOn Wednesday XX/XX/2022, XXXX XXXX reversed the fund due to the check writer closing her account at Cathay Bank XXXX 

Now I lost {$4900.00} due to mishandling by Cathay Bank and XXXX XXXX bank. As a customer, I saw a posted available fund which means the deposit transaction has been completed and I released a good and service to the check writer. 

Now Cathay Bank allowed check writer to close her account as outstanding balance and deposit transaction are still in process with XXXX XXXX bank. 

In addition, XXXX XXXX said " Posted status '' means they are still processing deposit transactions which were never mentioned in the XXXX XXXX deposit agreement. Therefore, they just reversed the funds from my account due to account closed at Cathay Bank. 

As customers, we all will be victimized by bad check writers if they use this type of loophole to take advantage of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is about the loan modification process at Shellpoint Mortgage Servicing. Please help me resolve this issue and obtain a final loan modification within 30 days. The problem began XX/XX/2020. Please note this date is after Pres. Trump disaster declaration due to COVID-19. 

My initial application for a loan modification was mailed on or about XX/XX/2020. 
Shellpoint requested that I complete a second ( 2nd ) modification application in XXXX. This second application was faxed on XX/XX/2020. Per a conversation with a Customer Service representative, my application for modification was approved on XX/XX/2020. As a consequence of an error made by Shellpoint the modification was subsequently cancelled on XX/XX/2020. 

On XX/XX/2020 I finally received written communication from Shellpoint stating, my account is seriously delinquent and in order to avoid foreclosure I needed to act by XX/XX/2020. I have spoken with customer service multiple times over the past 7 months and have made my monthly payments in the amount directed. 

Since XX/XX/2020 I have consistently made the monthly trial payments in the amounts requested. I have paid through XX/XX/2020. It is now XX/XX/2020 and my modification still has not been approved and I am being asked for additional trial payments some of which have already been paid. ( Specifically XX/XX/2020. ) I am now being threatened with foreclosure if I do not make another payment for XXXX. I can not afford to make double mortgage payments. 

It has been 7 months since the modification was approved. It has been 7 months I have made payments as requested and waited to receive paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Bella Sloan Enterprises
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I paid {$750.00} For credit repair services that where never rendered. Its been exactly XXXX XXXX since I paid for services through this company and nothing has progressed, I reached out multiple times through out the year for a resolution as to whats going on with my file and why do I not see any changes or any communication from this company. I didnt not receive a clear answer until XXXX of XXXX from a representative named XXXX on XX/XX/XXXX XX/XX/XXXX I emailed in regards to my account and what exactly is going on since there has t been any improvement or movement for the services I paid for. I emailed them XX/XX/XXXX with No response I emailed them again XX/XX/XXXX XXXX and they never responded when I asked for a refund. I called consistently for XXXX  months with no response or answer XX/XX/XXXX I called customer service and was told they issued a refund to a closed checking account on XX/XX/XXXX and was told they have to wait 5-10 business for the payment to return an they will mail me the refund check. XXXX  is XX/XX/XXXX and I have not received my refund payment nor have I heard anything back from this company I have emailed and called and they have disconnected the customer service number. I have messaged the owner XXXX XXXX and he just reads the messages and never respond at all.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: MD
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 have submitted dispute to remove unauthorized accounts on my credit report and have yet to receive my results or the response requested in my dispute. It seems like the company is verifying accounts without proper investigation. Please see attached docs and act accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was settled for the amount of {$360.00} on XX/XX/XXXX. I was made an offer in writing. I accepted and sent AMEX a check for {$360.00}. It was cashed by AMEX as I have proof through my bank. I have relayed this information to AMEX via text messaging. And yet I keep receiving the same Notices from AMEX asking to settle the same debt. I have received Notices on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I have all these Notices saved in electronic format. I am not sure how to stop AMEX from continuing to try to contact me for a debt that has already been paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: UT
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:
I ran my credit report as of XX/XX/22 and this is what I found that still fails to be corrected. Now it's time to delete them per FCRA laws since the bureau fails miserably at understanding clearly written disputes : 1. XXXX XXXX XXXX installment loan is paid off. They confused this with the credit card account I disputed as paid and closed. Now this one is paid off and closed. 

2. XXXX- this item continues to appear as if I disputed it. The loans are in forebearance, I sent the proof of this to them to update the account, they still haven't but have labeled it " disputed '' which I never did any such thing. I'm demanding they remove that negative verbiage they made up or delete the entire account from my credit permanently per FCRA laws! 

3. XXXX # XXXX - Per FCRA laws the account can not show as " charged off '' and " settled '' at the same time. It lowers my score and makes creditors think that I paid a very small portion of the charged off amount which is not valid. This is the last time I intend to request the " charge off '' and reflected amount be removed. It doesn't show on any other accounts I settled therefore shouldn't on this one. If you can not correct it to reflect ONLY " settled .... '' then I'm demanding the entire account be deleted! This is the 4th or 5th time I've disputed this item. 

4. XXXX XXXX XXXXXXXX inquiry to be removed and is outdated this month 5. XXXX XXXX inquiry to be removed and is outdated this month 6. Misspelling of my name needs to be removed 7. outdated addresses previously disputed are still reflecting on their report that they sent to me on XXXX. Demanding once again that they be permanently deleted from all records per the FCRA laws!

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 2020-07-30
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: EQUIFAX, INC.
State: MD
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:
Hi, My name is XXXX XXXX. I have had an unauthorized inquiry on my credit file from a company in California named 'XXXX XXXX ' on XX/XX/XXXX. The company had used the services of the company XXXX XXXX to do so. Having learned about this, I contacted both XXXX XXXX and XXXX to have this issue looked into and resolved by having the unauthorized inquiry removed after they concluded their internal investigations.

To an extent, this exercise was successful as both companies had worked in conjunction with me and had issued notices to the XXXX, XXXX, and Equifax credit bureaus. By XX/XX/XXXX, both XXXX  and XXXX promptly removed this unauthorized inquiry from my file. Equifax did not.

I, alongside XXXX XXXX and XXXX, have since worked with Equifax to have the same inquiry removed from my reporting file, but to no avail. I have spent hours upon hours calling their customer service lines, talking to their frontline representatives and managers in the XXXX until being transferred up the command chain all the way in XXXX, GA, who by now know my name and all details very well. But continue to dodge, ascertain and impress upon me that the inquiry was legitimate, despite the agency XXXX XXXX, explicitly doing the needful and resending confirmation via my fax and postal mail many times over of their mistaken inquiry.

Every Wednesday and Friday since XX/XX/XXXX, to last week has been a waste of my energies into requesting Equifax to remove the fraudulent inquiry, after plentiful verification was submitted to them, by me, XXXX, and XXXX XXXX. Yet, to the day, Equifax, refuses to remove the corresponding inquiry from my credit file.

Please help.

I can be reached on my cell at XXXX, or via my email at XXXX.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Information belongs to someone else

Complaint:
Hard inquiries on my credit report that should not be on there are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The data breach really affected me and my credit score. I did not apply for a car loan at those places mentioned above for i am not XXXX and have not been XXXX. The incorrect information on my credit report has my credit score below where it suppose to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Premium Credit Bureau
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: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, I have reached out to XXXX  and XXXX  concerning the following inquiries reflecting my credit report I did not approve and have no clue what they are for. In this process, XXXX  provides the same reply every time with not providing documentation of how or who they spoke with to verify the information. As for XXXX, they have responded back to either of my letter they received certified mail ( dating back to XX/XX/XXXX ). 

XXXX  provided address information for the inquires reflecting my report - the inquiries mailing address was returned to the sender and not received. I have enclosed a copy of the returned to the sender. As you reviewed in my previous dispute to the company XXXX  provided was incorrect - claim - XXXX due to the response from the company. How can this account be factual as mine when the Bureau even provided incorrect information? 

This company did not ask for my approval. This can not and have not provided my approval with my signature, e-signature, statement, or voice recording authorizing this inquiry request. Which is why I disputing the following inquiries. I am requesting the following inquiries be removed as soon as possible. 

I have uploaded attachments on miss leading information provided by XXXX  ( with an incorrect mailing address and company info ) along with documents of No Reply for over in 30 days by XXXX.

Company response to consumer: Closed with explanation