BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To EQUIFAX RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of Dark Web identity theft. There have been accounts and services established using my personal Identification without my authorization. 
After careful review of my report, I have identified the information listed below, is the result of XXXX XXXX theft on the affected accounts are listed below. 
I do not and have not obtained business or services or made any payments under any of these accounts - ever! 
Equifax has continually aided in allowing others to use and distribute my information without my authorization to establish credit, obtain goods and services and set up monthly rentals which has caused my personal life stress and placed me in financial ruins. This must cease NOW! 
You must remove them immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX AMT : {$7200.00} XXXX XXXX XXXX XXXX XXXX AMT : {$5500.00} XXXX XXXX XXXX XXXX  : XXXX AMT : $ {$4900.00} XXXX XXXX XXXX XXXX XXXX : XXXX AMT : {$2400.00} XXXX XXXX XXXX  : XXXX AMT : {$4900.00} XXXX XXXX XXXX  : XXXX AMT : {$100.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$5500.00} XXXX XXXX XXXXXXXX XXXX : XXXX AMT : {$670.00} XXXX XXXX XXXX ACCT : XXXX AMT : {$1600.00} There are also the below listed inquiries on my report which have never been placed by me. These need to be removed immediately : XXXX 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 You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that I have never lived. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX. XXXX XXXX. New York, NY XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. Apt XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My loan was with XXXX XXXX, whom I also filed a complaint against. XXXX applied my mortgage payment somewhere else and it took them almost a year to resolve and figure out what they did. They sent me a letter regarding the misapplied payment. I received notice that my loan was getting transferred to Shell Point Mortgage and BEGGED XXXX to resolve my payment history prior to selling it. ( Even after a year, they were not showing the applied mortgage payment ). They did not. My first payment letter with Shellpoint showed applied/ unapplied mortgage payment. I couldn't even understand what was going on and I '' m in the mortgage business, but could tell that my missing payment wasn't applied correctly. I IMMEDIATELY sent Shellpoint the  information from XXXX and received notification that Shellpoint was reviewing and looking into it. They have been calling me 5 TIMES A DAY, not leaving a message. I called them to talk to someone and got hung up on after holding for 30 minutes. I do NOT want to be harassed by them and get this many calls when they are supposed to be looking into the information that I sent to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have called XXXX, XXXX and Experian on several occasions to request that they PERMANENTLY remove a FRAUD ALERT that was placed on my credit file by each of these three credit bureaus. I NEVER requested that this FRAUD ALERT be placed on my credit file. These three credit bureaus placed this FRAUD ALERT on my credit file without ANY authorization by me, without even contacting me about this FRAUD ALERT. There was a FRAUD ALERT placed on my credit file again recently on XX/XX/XXXX7 and again on XX/XX/XXXX. Every time I contact each of these three credit bureau I am assured that they will take this FRAUD ALERT off of my credit file but then a few weeks after that they place the FRAUD ALERT on my credit file again and WITHOUT ANY AUTHORIZATION OR CONTACT FROM ME. 

I have threatened to file a lawsuit against each of these credit bureaus but they do n't seem to care. 

They have caused me to have 6 different credit card accounts to be closed because of this FRAUD ALERT that they insist on placing on my credit file. And one of these credit card accounts I have had since 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 2023-04-15
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had received a letter from Phoenix Financial Services at the end of XXXX over a debt that I was not familiar with from almost 6 years ago ( without any degree of verificaiton ). It said that I had until XX/XX/XXXX to respond or request verification before any action was going to be taken. Phoenix financial services began taking action to impact my credit score well before this date, and has been ignoring numerous requests that I've submitted on their website, as well as to their email system since early XXXX. I keep demanding verification of the debt and they continue to impact my credit score and attempt to collect. Phoenix financial services has not replied to me or tried to contact me in several months, it has been well over a month since I reached out to them and requested verificaiton and it is completely unacceptable. It is completely unfair that a collections agency can hold my credit score hostage for several months while refusing to speak to me and give me info about a debt that they refuse to verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
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: Information belongs to someone else

Complaint:
I am upset to know that unauthorized false reports are affecting my credit score and current employment status. I am worried and frustrated to be a victim of fraud and would like this resolved as soon as possible so that I can go back to my normal life! I did not consent nor approve any of these companies and would like them removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Re : Improper Student Loan Default Status When CARES Act was passed, money that was seized from my tax returns was returned to me, but my loan was paid off. Why would the decision be made to undo the payoff? That was out of my control and now the default status is affecting me closing my mortgage loan in the next two weeks. There must be an alternate status that my loan could be placed in at least until XX/XX/XXXX. I called to make new payment arrangements, but the DEFAULT status is hurting me right now. 
The Department of Education immediately placed my loans into default. It is my understanding that the CARES XXXX was to provide temporary student loan relief in three critical areas through XX/XX/2020. 

-Student loan payments are paused -Interest is suspended -Collection on defaulted federal student loans is stopped Please help me with this promptly. I really need my home. 
Why is this affecting me BEFORE the XX/XX/XXXX deadline?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
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: Account information incorrect

Complaint:
Incorrectly reporting of student loans being paid 1st through NJ Higher Education then went to debt collector, attorney XXXX XXXX back in XX/XX/2012 have been paying since but they are not reporting I have written to NJ Higher Education  previous to the attached letter twice but nothing happened. You will see by the correspondence what has gone on through the years. Yet everyone says nothing changed. Also to this day no-one will in turn send me what the balance was when the attorney received these accounts? Why? 

I am uploading the correspondence below for your review. Maybe you can help me. This is hurting my credit tremendously as it looks as though I have not been paying at all. 

Thank you. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Northern Service Bureau, Escanaba Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
None of the options offered on the last page matched my problem. First of all I never once received a written notice of this debt before it was reported to the credit bureaus. Northern Services bureau agreed to remove my delinquency completely from my credit report if I paid there settlement amount in full by XX/XX/2020. I did pay the full amount of the agreed upon settlement amount of {$620.00} before or on that date. After I paid the full payment they didn't remove the items from my credit report and instead added more individual paid debts from the past to my credit report out of nowhere. They lied or distorted the truth of our agreement. This has been a significant burden to me during a worldwide pandemic. When I contacted them they would not resolve anything without me giving them my new phone number but I refused. We resolved the original agreement over email. There is no reason they can't do this over email as well. They have decided to destroy my credit during the middle of a pandemic instead of just sending a written bill before going to the credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: Experian Information Solutions Inc.
State: NY
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XX/XX/XXXX and XX/XX/XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XX/XX/XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
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 2017-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
State: GA
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:
On XXXX XXXX, XXXX, I realized that Experian placed an account back on my credit report that had been previously deleted. I have contacted them by phone and letter to remove the account. However, on XXXX XXXX, XXXX, the XXXX XXXX XXXX account was updated. On XXXX XXXX, XXXX, I contacted Experian regarding the account again. I indicated that the account has been placed back on my credit report after being deleted. I also indicated that the account was updated. The representative stated that no information was updated on the account but the creditor just did not state to remove it. I asked for validation of the account and was told that Experian is not required to receive any documentation from the creditor. I asked for a phone number and address for XXXX XXXX XXXX. I was given the following information : XXXX. I was told to ask for their address when I contact them. I called the number and reached a debt collection agency by another name. I called Experian back. I was provided the same phone number and no address. I indicated that the number given is not correct information. I proceeded by asking the question : How are you as a credit reporting agency stating that you are reporting correct information and taking the word of some company when you have not truly verified that validity of the company ( name, address, phone number )? Also, Why is it that every time I call and state that the account was previously deleted and asked for you all to go back in your records to verify that it was previously deleted no one can seem to research and answer my question? The representative indicated that the contact information may be incorrect and I should research the web to find the correct information. I responded by stating, " I did before calling you all back this last time and will just forward my concerns to CFPB. ''

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 2020-01-21
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with ally auto and since updating the app which I used to pay and view my account no longer shows my truck but still shows the other loan I have for car. I repeatedly asked for a statement in mail which they have not sent or fixed issue with app. I'm also almost done paying for truck, and I have also sent more then which was owed monthly and it was not applied properly I believe. I think they apply it towards interest instead of principal balance. Also after reviewing my original contract it states it's a simple interest loan. Also when I first purchased the truck in 2015 I've just noticed that when I cancelled the extra things the dealership sold me service contract etc. those funds weren't applied properly and also the amounts are incorrect I believe. I dont believe they ever had me sign an accurate contract with the correct payments and the cancelled extras they sold me which I cancelled within a day or so of purchase, although I have proof of all the cancellations I had and were supposed to be deducted off what I was financing.I have called ally auto several times over the last 3 weeks or so and they tell me the same thing and also couldn't even tell that it was the fourth time I called. They also said no payment was do this month cause of my over payments which they just deduct off next payment instead of applying toward principal. I've asked for a statement and they tell me it was sent and cant generate another. I cant access my account online to cancel online therefore their system hasn't been sending statements since they told me its automatic and they cant access it. The reps you call are scripted and of no help.

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 2020-01-21
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The credit bureaus are reporting a really old Bankruptcy that is past the reporting guidelines. It needs to be removed off of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 120 ) plus days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This loan was in deferment. I have attached the confirmation from XXXX XXXX datedXX/XX/2017of this account being in deferment. This false reporting of late is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed I have 9 inquiries on my credit report that I didnt authorized and I try to dispute them with Equifax and they are unable to verify me over the phone the overseas Dept gave me a hard time and told me I need to send in documents ... which I refused to do so due to the cornovirus I dont want get sick on my watch ... and I have important things to do ... the inquires that are showing on my Equifax reports are. 

XXXX XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX,2020 XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XXXX XX/XX/ 2020 XXXX XXXX XXXX XXXX.2020 XXXX XXXX XXXX XXXX2020 XXXX XXXX   XXXX XXXX XXXX XXXX, 2020 XXXX XXXX XXXX XX/XX/ 2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I used Menards online ordering system due to Covid-19, my order came to {$450.00}. When I went to the store I asked about the items that weren't with it, and was told they would be back ordered. After I checked my credit card through Menards the entire order was billed even though the entire order wasn't available. Items XXXX, XXXX, XXXX, ( XXXX ) XXXX were unavailable, and back ordered. I reached out to Menards and they told me all items were picked up, this isn't true. My concern isn't over a couple hundred bucks ( {$190.00} + tax ), my concern is if this is done repeatedly and based on my very first experience at Menards doing this, this would be fraud on a massive level.

Company response to consumer: Closed with non-monetary relief
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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