BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-18
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: EQUIFAX, 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 entered a settlement with XXXX XXXX. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i Have disputed the information on payment history. I have also contacted the creditor who stated the information was submitted to be corrected. My credit profile still has not updated the file and corrected the past due payments showing on my credit file. I have asked for a copy of the verification method used to validate the accuracy of their investigation and received nothing but a copy of my credit report stating the the information was verified and not changed. I've provided my billing statements from the months in question as PROOF to not being late for those months and actually having the payments made IN ADVANCE for the months marked late on my credit profile, only to still receive the same results. This is creating a drop in my credit profile and I need this resolved. All 3 bureaus seem to be NOT correcting the reporting, only deleting the payment history all together or stating to me that the payment history is accurate. I don't want my payment history deleted, I want my excellent payment history updated and reporting accurate information.

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 2022-12-04
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not received my escrow refund check. Send it immediately. 

I have attached written evidence stating Lakeview Loan Servicing owns the master servicing rights to my loan and is ultimately responsible for my loan. I expect them to resolve this issue immediately. 

This is a follow-up from cfpb complaint 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 2022-12-04
Company: PNC Bank N.A.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 at XXXX XXXX, a buyer calling herself XXXX XXXX attempted to buy my camera from XXXX XXXX for {$800.00}. She wanted to pay through XXXX. She claimed to send the money and at XXXX XXXX  I received an error message from a fake XXXX account, noting that the {$800.00} could not be processed until I upgraded to business. The message said I could upgrade by accepting {$1000.00}. The buyer offered to pay the extra {$200.00} if I refunded her after receiving payment. She claimed to send the money and I received another email from the fake XXXX account notifying me that I had been upgraded to business and that the money went through. I sent her the {$200.00} at XXXX XXXX  before noticing that the money was not in my bank account. I ceased speaking to her at XXXX XXXX. At XXXX XXXX, I notified PNC Bank over my messaging app that I had been scammed and that I would like them to reverse the charge. PNC Bank responded at XXXX XXXX  that they could not reverse the charge because sending money over XXXX is like sending cash. I also chatted with PNC customer service and was informed that they could not reverse the charges and I am not entitled to any protections. Additionally, I emailed XXXX at XXXX XXXX  requesting that the charges be reversed, along with the most recent email from the fake XXXX account requesting more money. PNC responded that they could not look into my case. 

I reached out to XXXX on XX/XX/22 and was told that the charges could not be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I attempted to cancel my XXXX XXXX membership today XX/XX/XXXX. I went to the gym and they told me I had to call XXXX. I did so and hey would not accept my cancelation and onXX/XX/XXXX they intend to charge me {$50.00} for a yearly membership. I am a senior citizen on a fixed income and can not afford to pay this charge ... ..I then called my XXXX Credit Card and they told me they can not refuse the request for payment. I have to let them pay the {$50.00} and then dispute it ... .Something is very wrong with this system.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted XXXX XXXX numerous times to explain this debt does not belong to me. Unfortunately, I do not have all the exact times and dates that I have contacted them. 

I have requested the original signing contract for this debt and all they send me is a bill with my name and account information. They have stated they are not obligated to prove anything to me. 

I have also spoken to several representatives that have stated unless I go get a police report they were going to report this debit to the credit bureaus as well sue me in court. 

I had to send a seize and desist letter to them to stop harassing me. They have also called on my work phone number at all times of the day and night. They have continually harassed me even though this debt does not belong to me. 

The original creditor XXXX XXXX XXXX states I have to communicate with this agency, because they have written the debt off and its no longer their problem. 

Please, assist me with proving this debt does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
in Late 2012, Performant called me at my job ( XXXX XXXX XXXXXXXX XXXX - EXXXX XXXX  ) on the main XXXX XXXX phone. They asked numerous XXXX, XXXX and other coworkers who I was and where they could find me. 

I had no idea collection companies could be this abusive, and I paid them {$750.00} that they said would be applied to my student loans.

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 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my loan. I have the title to the vehicle they claim is being financed. I have spoke to the XXXX there is NO lien on my title. I did not create this loan. Capital one Auto finance has refused to take this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have {$91000.00} in student loan debt with Sallie Mae. I did not graduate. I can not afford the monthly payments, which currently add up to {$1000.00} per month. About three years ago, I spent countless hours and days on the phone trying to get them to help me lower my payments, and every time they would propose a solution, put me on hold, and come back and say I dont qualify. I had no choice but to stop paying. They called members of my extended family in addition to relentlessly calling myself and my nuclear family, anywhere between 2 and 15 times per day. Just before they sent my debt to collections, I called one last time and they gave me a deal which capped my normally-variable interest rates at 4 % which brought my monthly payments down to {$510.00}. For the three years that plan was in effect, I was current. The plan abruptly ended in XXXX of XXXX with no warning, though they claim they sent a notice. I never received a notice. I called on XX/XX/XXXX, and was told to let my account go overdue, then call back and Id be able to speak to their hardship department about assistance. I called today, XX/XX/XXXX, and they listened to the recorded phone call from XX/XX/XXXX and admitted that I had been lied to and refused to help me, again claiming there is nothing they can do. This is ruining my life.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: PA
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:
There are fraudulent inquiries on my credit report from : 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 2018-09-05
Company: COAST PROFESSIONAL INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a copy of my credit reports and noticed a collection account from Coast Professional Inc. on behalf of XXXX XXXX XXXX University. I contacted them and the credit bureaus to inform them that the debt is not mine and an account was created fraudulent and without my knowledge. I requested that the incorrect and verifiable collection be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
The attached letter above you were originally copied on was in XXXX with an apology and settlement of {$12000.00} dollars In reference to the complaint I filed with your agency in XXXX was never honored by XXXXXXXX XXXX XXXX XXXX. 
In XXXX, I agreed and accepted this offer by signing all forms requested and a check was never sent. 
In XXXX, on two occasions the same forms were signed twice and XXXX XXXX XXXX XXXX said they needed to do research and still no settlement check was sent In XXXX, I contacted said Mortgage Company again and was told to sign all forms which included same as the previous years a XXXX, and release form and this time I went to my bank, had them read my personal letter as a witness and let them watch me sign all forms again and attached a personal letter and had it notarized and attached it with the forms and still no settlement check sent. 
Early XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX along with a witness and was told to resend same paperwork along with the original letter of settlement sent in XXXX and to email it to XXXX attention XXXX XXXX and was told the issue would be resolved quickly because of how long it has taken, and I would have an answer by XX/XX/XXXX and again no settlement check was sent. 
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX XXXX to follow up and again this time I was told they needed to research this matter and to resend same items again which I refused and requested that someone in charge to give me a call back that has the authority to resolve this almost 3 year issue that has been ongoing. The representative, agreed with the lingering and agreed to have the person in charge who can resolve this issue to call me on XX/XX/XXXX at their time XXXX which is my time XXXX On XX/XX/XXXX an hour late I was contacted at XXXX by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX deliberately refused to resolve this matter immediately by submitting the settlement check of {$12000.00} dollars. 
XXXX XXXX totally disrespected me by continuing to lie and falsely accuse me of never responding to the offer and made a false statement that XXXX is the first time I ever accepted and agreed to this offer. He once again, said they needed to research this matter. This is a continuous attempt to deliberately continue to defraud me and continue illegal Business Practices This could have been avoided altogether if my possessions worth more than {$100000.00} was returned to me when XXXX XXXX ( contracted by XXXX XXXX XXXX XXXX ) confirmed they had my possessions in their storage when I was available to pick them up but they said they would not release my possessions without XXXX XXXX XXXX XXXX XXXXXXXX 's permission. 
I have suffered severe emotional Distress and pain Note : a XXXX I did no attach it due to personal information contained on the document

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 2023-05-16
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Navient Solutions, LLC.
State: MS
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:
got this loan in XXXX at XXXX done paid over XXXX still owe XXXX in XXXX 14 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transuniom and XXXX are still negatively reporting 4 student loans from XXXX on my reports whereas XXXX  has them closed and paid as they should be. They also keep taking the balance up and down hundreds of dollars causing my scores to constantly drop lower and lower every time I get them back up.

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 2023-01-12
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mobile home burned XX/XX/XXXX and my insurance company paid my mortgage off with Ditech on XX/XX/XXXX in the amount of {$41000.00}. Ditech deposited the check on XX/XX/XXXX and I received a statement showing my loan was paid off and I was due a refund from my escrow. Ditech was purchased from Shellpoint Mortgage Servicing and since then they have sent me statements showing my loan was never paid and that I am accruing interest charges. I have contacted them and sent them all of the documents showing that my loan was paid off from my insurance company and that I did not owe the debt that they claim I owe. I still continue to get these statements and the balance continues to grow larger. I have hired XXXX Attorneys to represent me on this matter and they both have reached out to them, sent the documents in to Shellpoint and they still continue to sent me mortgage statements. I do not know what else to do besides file a complaint to try to resolve this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: EQUIFAX, INC.
State: AR
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:
ONCE AGAIN XXXX HAS BRACHED OUR AGREEMENT BY BE RE-INSERTRD SETTLE SETTLED BANK ONTO MY CREDIT REPORTS. THEY HAVE VIOLATED THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the CREDIT COLL ( Original Creditor : XXXX XXXX  ) with account # XXXX ( Date Opened : XX/XX/2021 and Balance : {$640.00} ) still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please see attached. 

15 usc 1681a ( 2 ) ( A ) ( i ) specifies transactions and experiences are EXCLUDED from my consumer report.

EQUIFAX is securitizing consumers data yet refuses to follow the FCRA. Said company is liable under the SEC follow certain rules. EQUIFAX commission file number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-22
Company: EQUIFAX, 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:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent inquiries to my credit file. As a result, I disputed these identity fraud inquiries with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Formerly, I made an investigation regarding some items with inaccurate information and after checking my report I recognized that some items are still incorrect, with a confirmed status. Please correct the following items : XXXX XXXX Balance : {$17000.00}, XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX

Company response to consumer: Closed with explanation