BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: NM
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 have contacted Equifax several times, both by fax and certified mail. They refuse to correct two pieces of incorrect information.

1. A collection account from XXXX for {$210.00}, which has been paid and I have provided proof several times. XXXX says they have submitted it as paid. Equifax will not remove it. 
2. A medical bill from 2013 from " XXXX XXXX  XXXX '' which is time-barred and shouldn't even be on my report. Proof has also been sent numerous times. 
I have the certified mail receipts and fax transaction reports as well. 
I've attempted to contact by phone and never get anyone who speaks English well enough to communicate with, chat refuses to help with credit reports. I have also been " disconnected '' twice when I call. 
Their website will not show me the results of the disputes I've made and they told me two weeks ago they would send me a paper copy in the mail of my report. To date, nothing received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-03
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 received my tax refund on a American express Card.thuough XXXX XXXX.On XX/XX/2018 the day I was suppose to leave for my vacation.I swiped my card to purchase a rental car.The Merchant declined my card.So I checked my balance to find out there wasn't any transaction but the card holder took XXXX off of my card for a transaction that didn't even take place I called over a dozen times including a conference call with the merchant and the card holder American express to get a understanding to why was it even taken off. if there wasn't a purchase.American express says there's nothing the can do.but wait 30 days for them to deposit it back to my account.where is the cusumer right in this I did not authorize American express to take anything.My vacation to XXXX  was ruined.this can't be justifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage Company/Mr. Cooper calls my phone without leaving a message bugging me about refinancing my loan. They also call about my payments when I am not even close to being at the date where I'm charged late fees. They've gotten in trouble for this previously and I've asked them not to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent letter to XXXX, Experian and XXXX to remove all addresses that I am not associated with and only list my current address. I also has several unauthorized inquires on my credit file that needs to be deleted. As of XXXX XXXX XXXX. I have not received a response regarding these issues that are negatively affecting my credit profile.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My info was stolen from me around eight years ago when my house was robbed. Ever since someone has been using my personal private info to open accounts in my name. I filed a police report and an identity theft report. I disputed all fraudulent items with all 3 credit bureaus and still they have done nothing. I am furious that someone can just get stuff in my name so easily and no one is doing anything to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: OneMain Finance Corporation
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX add a hard inquiries on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, ONEMAIN add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 received my investigation back and you stated you completed a fair investigation. You also said these accounts are 100 % accurate. 



But can you please answer this XXXX question? How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigative my consumer report : Did you interview my neighbors? 



Did you interview my friends? 



Who did you talk to? 



XXXX more thing can you please tell me how everything is 100 % present and accurate if the account number, Date opened, payment status, creditor type, and date last active on these accounts are not reporting the same information? 



You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i I demand you delete the accounts from my report I listed : Account name - XXXX XXXX Account number - XXXX Account name - XXXX Account number - XXXX Account number - XXXX Delete these accounts immediately or you will be held responsible for XXXX per violation. Send me an updated credit report with the accounts permanently deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: TN
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:
Equifax data breach my information was leaked and there is some inaccuracies on my credit report which has never been resolved and has caused stress on my credit score and is causing financial strain on getting a job that required a background check

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/XXXX : I discovered four unauthorized XXXX transfers in my online account. One took place on XX/XX/XXXX and the other three took place on XX/XX/XXXX. The recipient was a person named XXXX XXXX whom I don't know at all. The total amount was {$4500.00}. I immediately called TD Bank to report these unauthorized transfers. A representative at the Fraud Department told me she was not able to stop the transactions since the first one had been processed and the other three were in process. She filed the case and submitted it to the Disputes & Claims Department. She also told me the investigation would be complete within 10 business days and I should receive a written letter about the result. In addition, she helped me close/freeze the old account, open a new one, and transfer the majority of fund from the old one to the new old. 

XX/XX/XXXX : I called TD Bank to ask about the investigation result since I never received the letter. I was told the department determined the four transactions were processed properly. Therefore, there was no need for further. After hearing my explanation of the situation, the rep filed the case for me again and suggested that I fax a copy of the police report and the identity theft report I filed with FTC afterwards. Following her advise, I faxed both reports along with a letter to explain what happened. 

XX/XX/XXXX : I received a letter, dated XX/XX/XXXX, from the Disputes & Claims department at TD Bank. They have determined no error occurred so there was no action needed at their end. 

XX/XX/XXXX : I sent another package that contains the police report, FTC report, and a letter explaining the situation and requesting the return of {$4500.00} by mail. As of today, XX/XX/XXXX, I haven't heard any response from TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: EQUIFAX, INC.
State: IL
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:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Accelerated Receivables Solutions
State: MI
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:
On XX/XX/2020 I sent a certified letter to Accelerated Receivables requesting validation of an alleged debt of {$960.00}. They received the certified letter on XX/XX/2020. They have failed to respond to my letter in a timely manner. Them failing to respond they have violated federal and state laws, but also have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account reported accurately. I also sent them a good will letter in attempt to resolve this matter. I have my credit reports from XXXX XXXX showing no update and no comment was added to show it in dispute and I also have one from today XX/XX/2020 the XXXX day showing no update to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, INC.
State: CT
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: Investigation took more than 30 days

Complaint:
I have sent method of verification for all accounts listed and the bureaus have yet to send any documentation verifying any of the accounts listed. It has now been over 30days. My intial letter was XX/XX/2021. 
This is not following FCRA guidelines. After 30 days of investigation all accounts should be removed immediately. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: LoanCare, LLC
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:
In XX/XX/2020 I applied for a 3 month forbearance due to COVID-19 and was approved. During this time I received letters saying my account was past due. I called repeatedly and they told me to ignore the letters, I was in forbearance. In XXXX I said I could resume payments and closed the forbearance both online and over the phone. I resumed payments in XXXX as scheduled. Loancare/XXXX sold my loan to XXXX in XXXX with first payment due to XXXX  due in XXXX. When I called XXXX, they hadn't received any of the info on the forbearance or deferment from LoanCareXXXX I attempted to pay in XXXX, but was told not to because it would be considered a partial payment and they could not accept it. Same in XXXX. I had to defer additional payments in order to get the account current. 

In XXXX LoanCareXXXX reported my account as 60 days past due even though I had an approved forbearance, causing my credit score to go down 139 points. I spoke with a representative on XX/XX/2020 and he said they have no record of anything regarding the forbearance or deferral and it should not have been reported as past due with an approved forbearance. I disputed the late payment report with XXXX 

I am unable to do a refinance to a lower rate which would lower my mortgage by {$500.00} per month due to this inaccurate credit reporting.

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 2021-05-20
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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$300.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
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: Problem with personal statement of dispute

Complaint:
Please add the following remark ( s ) to my XXXX XXXX XXXX Home Equity Line of Credit Account : " Never Late/Pays as Agreed '' _____________________________________________________________________ Please add the following employment information to my credit report/file : Name of Employer : XXXX Date of Hire : XX/XX/XXXX Title : XXXX XXXX Pay Rate : {$27.00} Per Hour _____________________________________________________________________ Please add the following statement to my credit report/file : " With regards to my XXXX XXXX XXXX - Home Equity Line of Credit ( HELOC ) that is being reported as " past due '' and/or " delinquent '', the creditor ( XXXX XXXX XXXX ) has not mailed me billing statements since XX/XX/XXXX. The creditor is refusing to provide me online access to view my billing statements. The creditor is unwilling to provide me with instructions on an amount to pay and how/where to pay it. I have mailed the creditor a typed statement each month, since XX/XX/XXXX, notifying them that I have not received my billing statement for that month and that a billing error has occurred for that month and every month since XX/XX/XXXX. I may file suit against the creditor because the creditor is unwilling to allow me to pay off the balance and because the creditor is reporting inaccurate negative information. I am a responsible consumer and I have never been late on my mortgage or any other account. '' _____________________________________________________________________ Please only report my name as " XXXX XXXX '' ( after marriage ) and " XXXX XXXX '' ( before marriage ). Any other variations such as " XXXX XXXX XXXX '' should be removed as I do not have a middle name and I do not go by any other name. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
My identity has been compromised. I found out because XXXX  XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX  XXXX {$390.00} XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX {$690.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX, XXXX XXXX {$510.00} XXXX XXXX   XXXX {$130.00}

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 2020-05-16
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:
My complaint is about XXXX XXXX XXXX card service, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize an inquiry on my Equifax file by XXXX XXXX XXXX XXXX  on XX/XX/2019. Please remove immediately. XXXX  - Card Service Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
Navient student loan delinquency mark requested be removed due to rehabilitation and not my personal-direct loan. 
30 days ago launch my status to control my credit reports and errors on my credit reports from XXXX, XXXX XXXX, and XXXX. Directly filed complaint reports with credit reporting Agencies to contest in most cases 3-5 items listed. Primarily, the outdated and incompleted report from Navient. The Credit report agency agreed to remove most but not the Navient delinquency report. They indicated that this must be done by Navient. 
I filed a complaint with Navient to have transgression removed. I base my dispute to facts that the Loan XXXX XXXX XXXX was sons loan and that I was a cosignee. Unaware of delinquency matters but co-responsible. I immediately helped him become current and pay off account-close it. Account was closed out on XX/XX/XXXX and original account opened was XXXX. Navient will not help or understand to correct and remove this history. Navient loans are rehabilitated and in good standing for some time..

Company response to consumer: Closed with explanation