BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: OH
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EdFinancial Services
State: IL
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:
XX/XX/XXXX I called Edfinancial to change my payment plan to the standard repayment plan. They called me back XX/XX/XXXX and informed me it would take 10-14 days. 

I called again on XX/XX/XXXX because my payment plan still had not been changed. They called back on XX/XX/XXXX and informed me that it would take 7 more days. 

I have been unable to reach them by phone since XX/XX/XXXX, their online chat system is unavailable, and they have not responded to emails sent through their web contact form. My payment plan still has not been changed. I need to change to a standard repayment plan because the income driven repayment is preventing me from entering paid ahead status for a lump sum payment I would like to make, a piece of information that was not available to me when I applied for the income driven repayment. For 41 days the loans have continued to accrue interest on the amount that I would like to be able to pay off and they continue to refuse to process my request for a standard repayment plan or respond to any communications.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: GA
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. I am never been late on this account.

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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX XXXX  Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}.

Company response to consumer: In progress
Consumer complaint received 2022-12-17
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

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. 
XXXX  Account # XXXX ( input accounts ), has violated my rights.

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: IN
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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Avant Holding Company, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled this account in XX/XX/2018 and on my XXXX and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There are 6 inquiries listed on my XXXX and experian report that I DID NOT authorize. I called XXXX and Experian to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2021-03-20
Company: EQUIFAX, INC.
State: NV
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Im trying to move on with my life after someone stole my identity all I ask of this company is to protect my rights as a consumer in follow the 15 USC 1681 there should not be any damages on my report it is a defamation to my character Im providing proof of my address

Company response to consumer: In progress
Consumer complaint received 2021-01-01
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$39000.00}, {$48000.00}, {$390.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$39000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$48000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Summer of 2020. I was behind on rent. Didnt receive an eviction notice or anything. So was confused about the amount that was due. Ended up moving out. Still had time to pay {$1900.00}. However now they saying I owe XXXX which I had no acknowledgment of. Asking for a good will removal. This had caused my credit to be terrible bad & not only that but caused me to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There exists multiple documented late payments on my credit report that appear to be fraudulent and inaccurate. I would like for my credit report to be updated and correctly reflect no missed payments ever on this account. The error shows on all three of my credit bureau reports as 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 explanation
Consumer complaint received 2021-04-20
Company: JPMORGAN CHASE & CO.
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: Their investigation did not fix an error on your report

Complaint:
hello, I have been disputing this debt " chargeoff '' for over a year plus. This account has many " inaccuracies '' first I disputed the verification using section 609 of the fcra verification process asked for the company " to furnish a physical signature '' that legally tied me to the debt ''. I did not receive any documents, proof of signature, etc. The disputed items came back " verified '' with no proof. second round I disputed the same asking for more info about the investigation, same response as before. In the third round, was online I disputed the inaccuracies with documentation showing the inaccuracies first the " date of last activity '' was different in each bureau meaning the account was re-aged, which is a fcra violation. ON XXXX and XXXX " came back as updated but nothing has changed '' XXXX was the only bureau that did an actual investigation and deleted the account due to inaccurate reporting. On the fourth round, I sent a dispute asking the bureau why nothing has changed and also that " the account is reporting monthly activity after the account has been closed '' showing charged off continuously, which is another violation. Once again the item came back as verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
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. 

XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Number XXXX XXXX Account Number XXXX has violated my rights. 


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 non-monetary relief
Consumer complaint received 2023-06-29
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a long time customer with the Express credit card ( my card states since XXXX, but i believe it was earlier than that. ) I have worked very hard to build up my credit limit with them. I paid my balance off in FULL on XX/XX/XXXX, but then on XX/XX/XXXX they decided to post {$2.00} of interest on my account. Around this same, i was dealing with my XXXX 's credit card ( which is the same credit card company COMENITY ) because i was having issues with that account because it was hacked. I was having a really hard time dealing with them and trying to get my XXXX account corrected i was not aware that they were also screwing me over with my Express card. It took me months to finally get my XXXX ( Comenity ) credit card situation resolved. Even though i didnt feel like i should pay the additional late fees and interest on the Express card, as soon as i was aware about my Express card balance ( it was at {$36.00} at this point ), i paid it in full on XX/XX/XXXX because i didnt want it to effect my credit score and credit limit that i had worked so hard to increase up to about {$4000.00}. I was in the Express store on XX/XX/XXXX, and i was made aware that my credit limit had been dropped to {$200.00}! Dealing with Comenity has been such a disappointment, and it is very frustrating that after being a long time customer i have had such a terrible experience with them these past 7 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-27
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Yesterday, I completed a loan application with wells Fargo yesterday, and downloaded all documents available to me along with the preapproval for 15 years, later on, the mortgage specialist sent me a preapproval letter with 20 years which is completely different from what I applied and received. They are trying to take advantage of my accent simply because I'm a foreigner. 
I have the preapproval letter from Wells Fargo with the correct rate and year then loan officer sent me something completely different ; simply because I'm a foreigner and since I have an accent they think they can take advantage of 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 2023-05-22
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have currently been paying on my mortgage since XXXX XXXX XXXX. I have not missed any payments and have paid additional principal amounts. My loan is now being transferred from XXXX XXXX and the new mortgage company, Mr. Cooper is saying my mortgage payment is due XX/XX/XXXX as of XX/XX/XXXX. This amount is incorrect and I see where XXXX XXXX has not credited some of my payments on their account activity made fro XX/XX/XXXX to XXXX XXXX. This is very concerning that a mortgage company can ignore payments that have been made and how often does this kind of thing happen to people because of crooked mortgage companies. This is utterly disgusting. I would like someone to investigate this matter further. I have currently reached out to Mr. Cooper and I will be mailing something out to XXXX XXXX since they only have dispute information via Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: MI
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:
Status history from 20 accounts deleted from record while account is showing " CLOSED '' and they are still charging interest. Status history dates back to 15 years, status history shows all accounts are " PAID '' within student loan database. 

attached as proof

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 explanation