BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
EQUIFAX Credit Reporting company does NOT allow me to file a Mortgage Dispute on their online system because they are Not reporting TWO different mortgages. And Equifax has no email contact information to correspond and their phone operators from some other country were of no help or can not understand them. 

In order to file a Dispute there has to be an Account Type that shows up on their dispute page. Since Equifax does not show Two of my mortgage accounts that I have in good standing their online system will Not allow me to Click a Dispute hyperlink. Therefore, Equifax is reporting a Low overall Credit Score by not allowing me to Dispute missing information. It is best to have Equifax have a customer service representative from the USA contact me to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: VA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts 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
Consumer complaint received 2020-08-15
Company: Prosper Marketplace, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In late XXXX or early XXXX I was contacted by a firm called Proposer Funding, LLC., claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called XXXX XXXX, XXXX. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect 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 2023-09-21
Company: Experian Information Solutions Inc.
State: CT
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:
I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : 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 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The following accounts has late payments which is wrong. The following accounts never had a late payment : DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX The following accounts are past the seven year statute of limitations and has to be deleted ; Account name XXXX XXXX  XXXX Account number XXXX Account name XXXXXXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXXXXXX Account number 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 2023-11-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list of accounts above has violated my federal protection, consumer rights to privacy and confidentiality on the 15 USC 1681 15 USC 1681 section 604A section 2 : a customer report agency can not furnishing account without my written instruction 15 USC 1681c . ( A ) ( 5 ) : no, consumer reporting agency may make my consumer report contain any of the following items of information any other advisor item of information, other than records of conviction of crimes which alternated to report by more than seven years 15 USC 1681s-2 ( a ) ( 1 ) a purse share, not furnish any information related to a customer to any custom report agency , if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Seterus, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a XXXX XXXX mortgage loan serviced by Seterus and the loan was offered a forbearance owing to the federally-declared disaster from Hurricane Irma. The forbearance let to a loan modification which had a trial plan that ended on XX/XX/XXXX. The trial period payments were made on time as required by the modification agreement i.e., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Seterus ceased from being the servicer on the loan and new servicer now is XXXX XXXX XXXX. XXXX XXXX XXXX  has concluded the modification process begun by Seterus. 

On XX/XX/XXXX, Seterus maliciously made a derogatory report to the Credit Bureaus by stating that the loan was 120 days past due. This is incorrect. The loan was being repaid as agreed leading up to the declaration of the disaster by the federal government and one of the terms and conditions of the forbearance was that negative reports would not be made as long as the loan was in forbearance. Immediately after the forbearance the loan was approved for modification and the terms of the modification were adhered as prescribed. 

I am disputing the report of the loan being 120 days late. I spoke to 3 people at Seterus today, Mr XXXX, Mr XXXX XXXX and Supervisor XXXX XXXXn. Ms. XXXX stated that the late payment applies to XX/XX/XXXX. This is incorrect because the loan was in forbearance at that time and the terms of the forbearance specifically state that no negative reporting will be made, so Seterus is violating its agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 Balance : {$430.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2019-02-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
we have had 2 medical hardships that have caused us to fall behind on our mortgage. we've been trying to work through this. we keep requesting mortgage assistance from Select portfolio servicing they deny us every time with a very broad reason. we offered to make a large lump sum payment and then make payments to sps but they declined stating they can not accept any payments. they sent us a repayment plan which doubled our mortgage to XXXX per month for 12 months then they have a huge balloon payment at the end of the 12 months. sps switched our loan counselors every month,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: The CMI Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Date was XXXX Amount {$730.00} CREDIT MANAGEMENT Ive tried to dispute this with XXXX   and they dont want to remove it XXXX has remove it I do not have any knowledge of this account I shouldnt have this on my credit it I did not authorized this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: EQUIFAX, INC.
State: NV
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:
XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/2018I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX  XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 1.  I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX OFFERED A SALES CONTRACT TO ME WHICH LATER FAILED WITH XXXX XXXX XXXX IMMEDIATELY REALIZED I DID NOT NEED THE XXXX XXXX XXXX AFTER OBTAINING THE SALES AGREEMENT. THE DEALER IMMEDIATELY REFUNDED XXXX XXXX XXXX XXXX AND PAID OFF THE CONTRACT. XXXX XXXX XXXX XXXX REPORTED PAYMENTS LATE WHEN THEY WERE NOTIFIED OF REFUNDED WAS TO BE GIVEN BY XXXX XXXX XXXX WHO LATER PAID THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian credit reporting agency ( also : experian information solutions inc. ) has mis represented information on my credit report for several months now, and i have been diligent in my efforts to aid them in fixing, however, I just found out today that I was rejected for a vital EIDL aid BECAUSE they reported an inaccurate score to the sba. They are the direct and proximate cause of loss and injury to myself and XXXX XXXX Phone records and recording will show that I tried many times to deal with the company on the matter, however never gotten anywhere, I am now seeking administrative remedy and will pursue punitive damages and recompensation for the harm cause to myself and XXXX XXXX by the information agency and request that the cfpb intercede as to ensure there is no reprisal or further mismanagement or my record as a result of future proceedings. The damage is directly related to the fact that experian did not publish my student loan information and thereby produce a credit score. The student loans are federal loan managed by XXXX. I spoke with XXXX and they assured me that they report the loan information to all three major bureaus, to include experian. The information reports correctly on XXXX and XXXX but not experian. I request swift action be taken.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX failed to report score along with bureaus accurately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: TX
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:
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 XXXX  XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX  XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2020-08-15
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:
Hello, I have been contacting XXXX, XXXX and Equifax since XXXX of this year to inform them that the information they are reporting is false. Originally I had different names, addresses a different social security number and 5 accounts on my credit. I have sent them a police report and they have removed the names, addresses and social but have failed to remove the 5 accounts that are detailed in the report. I have called and have not been able to reach anyone by phone. I am requesting your assistance .... i know we are in an economic disaster but it shouldn't take this long. 

XXXX XXXX XXXX XXXX??? Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fox collection has continued to harass me and threatened to damage my credit after advising me the matter was completely taken cared of per the supervisor which I have a voicemail from her advising me of this. But once again in their true fashion they continue to harass me every other month. I don't owe this debt and at this point I'll be taking legal action against this company. They put things on my credit to then remove them. The supervisor told this issue was done and resolved but now 2/3 months later it's the same XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
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: Their investigation did not fix an error on your report

Complaint:
Equifax, XXXX, amd XXXX refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I just got one issue resolved with Fay Servicing and called today to make my paynent. I asked why I still could not make a payment online and was told because my loan was at maturity since XXXX! 
I got this as FHA i believe in XXXX and it was a 30 year fixed orginally with XXXX XXXX then to XXXX. 
A few years ago it was bought by XXXX and now Fay. Fay is saying that my loan is a 15 year ballon? and that XXXX modified the loan. I did receive a modification for six months in reduced payments in XXXX or XXXX by XXXX but Fay is saying it was modified in XXXX. 
Furthermore, would I not have received something from someone back on XXXX that said my mortgage loan has reached maturityi have been making my payments and planning my retirement around the 30 year fixed. They are also saying my balance s XXXX how is that even possible with making payments of XXXX.. per month on the original loan amount was XXXX or XXXX How can a company like Fay just say oh by the way.. they have had my losn for over a year. 
I talked to them today and they took ly payment but they said the few are sitting in suspense! I dont even understand. 
Somebody please help me there is just no was a bank would not tell you about your loan. I didnt even know it moved each serving each until i went and msde a payment. 
Ive read all the horror stories with Fay and I am scared of what they have they I do not lnow about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NY
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 response to consumer: Closed with non-monetary relief