BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a letter from Equifax stating that they changed my current address in their records to an address where I lived at several years ago. They provided no explanation for why my address was changed. 

I called the number in the letter, which turned out to be the credit freeze office, and they were unable to do anything about the error. They directed me to send photo copies of personal records or they would not fix their error. I asked for a phone number or other way to complain to Equifax about their system twice now requiring me to spend time and expense to fix their mistakes, and I was told there is no phone number or address for me to send my complaint. 

It's bad enough that I now have to pay to freeze and unfreeze my credit when I want to use it because of Equifax 's negligence, but it adds insult to injury when Equifax continues to misuse data in a way that negatively impacts me when I have no choice whether they have access to my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a letter to XXXX  XX/XX/XXXX, in which they show received XX/XX/XXXX advising that the inquiries on my report are inaccurate and unauthorized, I also called on XX/XX/XXXX and advised they cant update or remove these unauthorized inquires and they would have to remain on my file for 2 years. However, I did not authorize these inquiries and I don't think its fair that they remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: Central States Recovery, Inc.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Central States has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had received a XXXX in XX/XX/XXXX from a collection account from XXXX XXXX and I filed it with my XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, Transunion contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now XXXX and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from Transunion stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that XXXX XXXX had updated my account again to show a balance and past due amount. Transunion told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called XXXXXXXX XXXX and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that Transunion was lying and they never updated the account to show a XXXX balance and a XXXX past due. They did say that they did update it with an account forgiven. When I asked them why did Transunion tell me that they are not allowed to update my credit report that only the creditor can do that they told me that Transunion was lying. 
I called Transunion right away and they sent me the original updated information from XXXX to use in this dispute.

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 2018-07-21
Company: Experian Information Solutions Inc.
State: OH
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:
My identity was stolen and her name and personal information was added to my credit report. I have sent certified letters with my drivers license, social security card, police report, notarized letters proving the information was wrong and Experian still has not taken her information off of my report and the credit inquiries made by her applying for credit cards. 

Take off XXXX XXXX XXXX and any name associated with XXXX ( XXXX, XXXX, XXXX, XXXX ) Any inquiries from XX/XX/2016 XX/XX/2016

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 2019-03-27
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company refuses to send my receipt of payment to my email address per multiple conversations and being told it would be sent in 48 hours from payment ... .. They are refusing to provide proof of payment causing financial harm and preventing me from buying a house and causing me to loose the house I put an offer on ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: EdFinancial Services
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: Account status incorrect

Complaint:
I pulled my credit reports. On all the reports it shows I have negative and a late account with Ed Financial. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with XXXX, XXXX  and XXXX. All came back verified. I called Ed Financial, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: Resurgent Capital Services L.P.
State: SC
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:
I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Penn Credit Corporation
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i got a letter from penncredit in the mail saying i owe {$2000.00} for a utility bill at a address i never lived at only XXXX and lived with my parents so ive never had a utility bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My XXXX  : Confirmation XXXX My Experian Report Number XXXX XXXX  lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX  XXXX {$1600.00} XX/XX/XXXX XXXX   {$3300.00} XXXX {$3600.00} XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your 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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report My XXXX  : Confirmation XXXX My XXXX  Report Number XXXX Transunion lock me out and i'm not able to pull up a report number XXXX  XXXX XXXX {$12000.00} XXXX ( XXXX ) XXXX XXXX XXXX {$590.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX   {$3300.00} XXXX {$3600.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your 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 2020-05-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mortgage company reported my mortgage as forbearance but my loan is supposed to be reported as on time and current based on the guidelines by the Care Act. This is negatively effecting my credit. My credit card company reduced my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Incorrect information on your report

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 2018-04-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried to contact these two agencies to remove all disputes and verbiage as the disputes are done and I am not re disputing and I held for more than one hour. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: BANK OF THE WEST
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2018 i have received a fraudulent check from Bank of the West and the purchaser name was XXXX XXXX. I would like to report this bank that they gave me a check with insufficient money that was fraude. I would like to get my money back of {$1900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX IS TRYING TO COLLECT A DEPT FOR XXXX XXXX  THAT IS NOT OWED. I HAVE N'T HAD SERVICE WITH XXXX FOR TWO YEARS AND ACCOUNT WAS PAID IN FULL AT TIME OF DISCONNECT. THEY HAVE REFUSED OR ARE UNABLE TO PRODUCE ANYTHING SHOWING WHY DEBT IS OWED, BUT THEY ARE STILL TRYING TO COLLECT. 

I KNOW THIS DEBT IS NOT OWED AND HAVE MADE SIX PHONE CALLS TO XXXX TRYING TO RESOLVE IT, IT APPEARS IT 'S AN ERROR IN THEIR SYSTEM AND WHEN I TALKED TO THE PEOPLE AT XXXX AS THEIR CUSTOMER SERVICE REPS WOULD SEE THE ERROR THEY WOULD PASS ME OFF ( THEY DID N'T KNOW HOW, COULDN't OR WOULD N'T FIX THE PROBLEM ) NOW IT 'S IN COLLECTIONS AND IT 'S BEING PERSUED AND IT 'S UNACCEPTABLE. 

REF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX FAX ( 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 2019-11-14
Company: WELLS FARGO & COMPANY
State: SC
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 a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2021-08-11
Company: Experian Information Solutions 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:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to experian, XXXX  and XXXX. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2021-05-07
Company: Alorica 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 loan with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/XXXX  with no successful resolution. XXXX, XXXX, and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I've attended XXXX XXXX XXXX College and also XXXX University. To be honest, I was XXXX to even take the money and didn't realize how high my payments, late fees, intererst would be. I've tried multiple times to show them that I now make good money, but I have a lot of expenses and I can't commit to a payment that's over {$400.00} per month. I'm willing to commit to something but I know if I commit to {$400.00} per month, it will still take me decades to pay off my debt, but if I get caught up in bind, I will be right back in this position down the road. My credit score was FINALLY getting back to around {$600.00} after working with my bank and doing well with a secured card. I was excited to go get a car from a dealership and not a buy here pay here place with a 30 % interest rate. Recently, my score dropped 50 POINTS because they decided to increase the balance again. PLEASE HELP ME GET THIS ON TRACK, THE INTEREST RATES, LATE FEES, AND PAYMENTS ARE TOO HIGH AND IT'S NOT FAIR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XXXX XXXX someone open a TD Bank checking and saving account online using my identity. I contacted TD BANK and was told that the accounts would be closed and reported as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing concerning my experience with Capital One that is both a grateful thank-you and a pressing request concerning my account. 

I received my Capital One credit card on XX/XX/XXXX and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, in XXXX of XXXX I made 1 late payment. 

This letter is regarding a 7 year old Kohls credit card which is issued by Capital One. Ultimately, my Kohls card was closed due to inactivity. No correspondence was ever sent to me encouraging me to use the card. 

The Kohls policy in the terms and conditions does not require them to do so. However, consideration for your clients credit report and score should have been taken into account. A point worth mentioning, my Kohls limit was never increased from {$300.00} in 7 years even though my score is nearly 800. That removal while small in amount hurts my overall credit score length of history, which was through no fault of mine.

Since the late payment does not reflect my current status with your Capital One credit card, Im requesting that you remove the missed payment with the three major credit bureaus.

Not to mention, I have made 200 on time payments with 16 revolving accounts over the course of 4 years.

I sincerely hope that Capital One, as an act of good conscience and fairness will right this wrong. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you again for the time you have spent reading this correspondence. 

Very hopefully yours, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
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: Personal information incorrect

Complaint:
Experian continues to report on my credit file that I have lived in Oklahoma. I have never lived in that XXXX state!

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 2021-11-05
Company: EQUIFAX, INC.
State: MT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation