BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: VA
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 called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.

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 2021-08-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Bank of America sent me an Email saying my card ending XXXX is expiring soon & on XX/XX/2022 new card was mailed to my address. 

On XX/XX/XXXX XXXX fraudulent charges were made to my account for a total of {$3900.00} from a card that I never received. 

I immediately called the Bank of America 's fraud department to report the first charges which were {$700.00}. While I was on the phone, XXXX additional unauthorized charges were being made to my account. I was informed that the bank will review my claim & follow up with me. The aforementioned card was closed and a new one was issued with a new number. 

On XX/XX/2022 a letter was sent stating that my claim has been reviewed but unauthorized charges were not removed.

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 monetary relief
Consumer complaint received 2021-08-05
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX I did two money orders and the lady said it didn't go through so she told me to swipe again and it went through so on XX/XX/XXXX I got charged again for the same amount of the money orders and I've been trying to dispute these last two transactions from the XX/XX/XXXX and I keep getting hung up on or put on hold no one will answer why they took my money twice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: SC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXXXXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$44000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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 information incorrect

Complaint:
The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Upon review of my XXXX  and equifax report it states under Account summary : account ever late 3. That information is inaccurate. Looking at the report in the detailed view there is only 2 late payments.

Per XXXX  report the payment history is unknown for XXXX XXXX. So there should not be 3 accounts late when XXXX XXXX payments are not able to be verified.

Per further investigation I am requesting that information being reported by XXXX XXXX be verified based upon accuracy. XXXX  is showing no payment data. Equifax is showing 17 late payments reported by XXXX XXXX. XXXX  is showing 16 late payments being reported by XXXX XXXX.

XXXX  is showing 2 accounts ever late. Equifax is showing 3 accounts late as well as XXXX. But under Equifax and XXXX  only 2 accounts are displayed I do not see a 3rf account in the detailed view.

I have submitted disputes about accuracy and I am not able to get anywhere. XXXX I do not see where the fairness lies per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, 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 have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX,. I never paid the following accounts late, XXXX  : XXXX  and XXXX  are not reporting this account, Equifax is reporting a payment status of 60 days late but does not provide the dates this account was late, XXXX XXXX : XXXX  is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX, XXXX  is reporting a payment status of current but reporting late payments of 60 days late inXX/XX/XXXX, 90 days late in XXXX and XX/XX/XXXX, 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX, Equifax is reporting a payment status of current but reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 120 days late in XXXX and XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, ORIGINAL CREDITOR Account Number XXXX XX/XX/XXXXand XX/XX/XXXXis not reporting this account, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$130.00}, XXXX XXXX Account Number XXXX XXXX   is reporting an opened date of XX/XX/XXXX no balance reporting, XXXX  is reporting an opened date of XX/XX/XXXX no balance reporting, Equifax is reporting an opened date of XX/XX/XXXX no balance reporting. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information or provide proof with signatures of my agreeance to these accounts. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, in XXXX of XXXX we entered into a COVID forbearance assistance plan with our servicer, XXXX XXXX XXXX XXXX XXXX who then sold our loan over to Select Portfolio Servicing , Inc. in XXXX of XXXX, and continued our COVID forbearance assistance plan. Since the beginning of our time with SPS we have never been able to get any clear information in regards to our loan. They werent even able to tell is who owned our loan. Their website has no specific information about any of the details of our account such as escrow breakdowns, etc. We receive letters in regards to our account that refer us to a XXXX XXXX who is suppose to be our Relationship Manager, but has never taken a call once. When I select his extension it simply reroutes the call to what sounds like a debt collecting representative. All these representatives are capable of providing is our balance and how to make payments on our account. At the end of our forbearance we applied for a loan modification in XXXX of XXXX. Yesterday, XX/XX/XXXX we received a denial letter for the modification and all other plan options. Once again, the letter fails to provide any specific reason as to why we were denied so I contacted SPS today to inquire more. Upon my conversation with their representative XXXX, I was informed that he unfortunately does not have access to the specific reason as to why we were denied. I asked if he could please transfer me to someone who could provide this information and he stated that unfortunately there was no one who could provide this information. He basically gave me a generalized response as to what the investors take into account as a whole when making their determinations on loan modification applications. No specific detail was given to me in regards to our particular application and or denial. This does not provide us with any assistance in bringing our mortgage to current and avoiding foreclosure which is ultimately what we are trying to do. Its if as though, they rather we loose our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Experian Information Solutions Inc.
State: CO
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:
In XXXX of 2022 I thought a payment was on autopay for XXXX but was wrong. I caught the error almost in time and called XXXX to pay off the full amount. At this time it had not been reported to the beuerues and the rep told me if I ended up hitting my credit to call to have it removed. I called both Experian and XXXX and the account still indicates a 30 day late payment. This dropped my score close to XXXX points and I don't know what else to do but file a complaint here. My credit payment history is not a liability and now my report is showing multiple missed payments and that is not true. Please help me get this removed so I can continue making true progress in managing my finances well.

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 2021-08-05
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Self Financial Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have open credit builder account with self financial on XXXX XXXX mine payment was on time. 
But credit builder account with self financial was failure to report to all 3 of mine credit bureaus.

I was call in self financial, telling customer service about mine account was not report to all 3 credit bureaus. They said will fix it for me but never happen. 45 day later i was send them the email, self financial respond the email to me said they will fix it for me, but never happen again. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: PLANET HOME LENDING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Planet Home Lending that has been fluctuating through outrageous totals from {$1300.00} to {$1900.00} for a little over two years. From having previous loans with other companies in various cities and states I've come to the conclusion that Planet Home Lending may be operating with nefarious intent of consumer accounts! 

When I lost my job due to XXXX, I was put under the XXXX  policy back in XX/XX/XXXX. I completed the phone interview and online paperwork and was notified I was accepted into the program. A few weeks later I had received notices that I was approved for forbearance into XX/XX/XXXX. Then another approval of forbearance into XXXX and then a final approval until XXXX of XXXX. It should be noted that during this time I paid what I could on the loan, my wife and I both got part-time jobs to survive with XXXX children. When I called in XXXX to inquire about my start-up payments an agent indicated that because I didn't call in XXXX of XXXX, my loan was in foreclosure! 

Is that correct, because I received paperwork in the mail stating that it was pushed back to XX/XX/XXXX. The agent then said the only way to resolve this is to refinance your current loan and add the delinquent payments to the backend of a new loan with a current over inflated mortgage percentage rate. 

Why? 

Was this because I didn't make a phone call back in XXXX? 

But I have a letter stating my forbearance was approved through XXXX with a start-up date in XX/XX/XXXX. 

Are these unruly practices the tactics that PHL uses to take a person 's home or move them into a higher interest mortgage rate? 

After some quick thinking, I exhausted my retirement savings to bring my status current but another problem arose on the account. I was informed a couple of weeks ago that my balance will be rising again to {$1700.00}. I began to inquire, and this was due to Planet Home Lending paying my home insurance twice, once with XXXX and a second to XXXX. However, when I called in XXXX of XXXX, I was instructed by a XXXX  agent that XXXX had already forwarded the documents and XXXX understood that XXXX would be taking over. However, XXXX made the payment to XXXX, thus depleting my escrow account. 

This gross negligence in accounting errors and compliance with the XXXX policy are unacceptable! Therefore, I will be reporting PHL to the Federal Trade Commission and filing an additional report with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: U.S. BANCORP
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:
US Bank reported that my XXXX payment was never made and in fact showed 60 days late when the car was paid off by XXXX XXXX and I have supporting documents from XXXX XXXX to show the payoff. If XXXX XXXX failed to payoff the vehicle to US BANK that isn't my fault ; and I was told by US BANK in XXXX this would be handled. This now is still on my credit report and has now caused me to delay my home closing which I'm incredibly annoyed by. I would like this removed immediately.

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 2021-08-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered into a consumer credit transaction with Nissan XXXX on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill. On XX/XX/2021 Nissan sent me a bill which is a violation of 15 USC 1692b.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.

Company response to consumer: In progress
Consumer complaint received 2022-11-05
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: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX Balance : {$36000.00}

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 non-monetary relief