BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
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: Old information reappears or never goes away

Complaint:
I have sent four certified letters to Equifax - Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX Tracking # XXXX Delivered XX/XX/XXXX XXXX One for every 30 days since XXXX. I have asked to verify all XXXX Accounts with names and update all accounts with corrected dates. I have yet to be successful. All they responded with is the same thing that is being reported. All these accounts are outdated and showing incorrect dates of last payment and its restarting the statue of limitations of 7 years. They are not giving me absolutely no updates and 4 of these 7 accounts of XXXX have been deleted from my spouse 's account that have the same account numbers and balances since I was joint on her account. Amounts that have been deleted on my spouse account are {$6300.00}, {$4700.00}, {$4700.00} & {$6200.00} on Equifax. I have called numerous of times Equifax starts a dispute and I wait the time limit and they give me no updates on any of my accounts. I feel this is all an injustice on my reputation of an old account that I am being held accountable and Equifax is not reporting my account correctly. All seven accounts should have been deleted years ago. It's showing a last payment in XXXX and XXXX so it resets it's time and that is inaccurate. On one report it showed a payment of {$1.00} and that is not accurate. Re-setting the time on all these XXXX Accounts is such an injustice. I have sent them proof of deletion from other credit bureaus ( Certified Tracking # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is about a Lowes / Synchrony Bank Credit Card. Cardmember services help me with my card and when I get the next moth 's statements ... the Cardmemember Services are malicious moving money around in my account so that I end up paying interest cahrges or not making the promotional expiration deadlines.

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 2018-11-15
Company: Experian Information Solutions Inc.
State: CA
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:
Inquiries do not belong to 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 2018-09-14
Company: Credit Karma, LLC
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Build credit off of credit karma website even if you sit the qualifications your denied and it's on your credit report they claim pre qualify buts it's not

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Transunion and XXXX XXXX  are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this transunion and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from transunion XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.

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 2022-08-05
Company: EQUIFAX, INC.
State: SC
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 previously attempted to have inaccurate information removed from my consumer profile due to the timeframe being more than 7yrs as outlined by 15 usc 1681 ( a ) ( 5 ). I received mail confirmation of actions taken by XXXX but have not seen this reflected on my most recent XXXX merged report ( which I have attached below ). These late payments were supposed to be verified by XXXX by how they could have done this with differing information on my credit profile still. Date opened, credit limits, high credit, last reported, date last active, and date of late payments ( which was the original issue late payments ). These inaccuracies have impacted my life since 2012 and Ive even paid on them to have my life unjustly affected due to negligence. 
These are my pervious complaints : XXXX XXXX XXXX Equifax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: Experian Information Solutions Inc.
State: LA
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:
Is to remove all the inquires and collections off of my credit. Im XXXX and i havent put any of these inquires and collections on my credit and its affecting me .And I was a victim of the XXXX inquiry error/glitch that happened but they want remove the inquires on my credit 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 2018-11-15
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/18 I sent XXXX  a letter asking them to validate these alleged debts. On XXXX XXXX I received a letter from them saying they didn't see any inaccuracies on their end. As you can see in the letter of validation I sent them they didn't provide me with anything I had requested. XXXX  failed to validate the alleged debt. Also, XXXX  is also NOT allowed to be collecting debts in the state of Texas. They don't have a bond or a license in the state of Texas. Not only has this company been reporting to each credit bureau every month, they are still trying to collect this alleged debt when they legally are not allowed to in my state. I attached all the letters and a screen shot of the Texas Secretary of State website showing this company is Not legally allowed to be collecting debts in my 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 2022-02-28
Company: Resurgent Capital Services L.P.
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 have contacted : LVNV FUNDING LLC - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS XXXX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT LVNV FUNDING LLC, XXXX, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH LVNV FUNDING LLC, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: EQUIFAX, INC.
State: CO
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 originally contacted the company about a year ago and your governement agency about this problem. Nothing was resolved. I again sent a fax on XX/XX/18 and again today XX/XX/18. Equifax has had computer issues all day long and keeps saying they haven't received the fax when I have confirmation stating it has been sent. 


From : " XXXX '' XXXX Date : XX/XX/2018 at XXXX XXXX MST To : XXXX Subject : Fax Sent Successfully - Dispute Department , Equifax Dear Your fax to Dispute Department , Equifax at XXXX has been sent successfully. 

You can view delivery information at the following private fax status page. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report.

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}

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 2018-11-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am reporting fraudulent transactions happened with my Chase credit card. I have noticed a couple of major fraudulent transactions on my credit card somewhere around XXXX XX/XX/2018. Immediately I reported it to the bank. They cancelled my earlier card and issued a new credit card ending with. At that time they removed all unposted fraudulent transactions and refunded the fraudulent transaction money. They also sent an email stating that they will investigate the transactions and ask me if any information needed in that regard. However, they never asked any further details later. Meanwhile I received one of the articles ( womens sports innerwear ) from XXXX   ordered by the fraud on my delivery address. I reported this to both my bank and XXXX ( email confirmation from XXXX regarding this is attached ) I returned the article to the XXXX as it was not ordered by me. They posted a refund to my account ( {$52.00} ) on XXXX XX/XX/2018. I believed that the issue was resolved. But the bank posted two of the major fraudulent transactions ( which was refunded earlier by bank on reporting ) back on my account on XXXX XX/XX/2018 ( one for XXXX, {$83.00} and another one {$230.00} for a XXXX transaction ). When I asked the bank ; they said that the transaction happened by providing my address as billing address ; which I never ordered. They also gave me the tracking details of the article ordered by the fraud ( I attached the tracking details herewith ). Now the bank said that they will re-investigate the transactions and let me know their decision in 5-15 business days. But now they generated monthly bill including the fraudulent transactions ( which I reported to them earlier ) I now paid the bill excluding the fraudulent transaction. I am afraid that they, may charge late fee and interest for the fraudulent transactions. I have also reported this incident at local Police station in XXXX, NY. The incident number is XXXX. In all these things chase bank wasted my half day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-30
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Shellpoint Partners, LLC
State: VI
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:
Company : Shellpoint XXXX XXXX XXXX XXXX, SC XXXX Loan # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX VI XXXX XXXX Borrowers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Modification Process XXXX* didn't provide accurate information XXXX* received documents as requested and had issues with the signature of XXXX XXXX XXXX XXXX Didn't give the proper address to resend revised documents XXXX* Asked us to provide a Quitclaim Deed to have my name removed but later rescinded that claim. ( please listen to recorded phone conversations ) XXXX* Told us because the modification is in the process we will need to pay after it's finished XXXXWill there be late fees or show up on my credit report XXXX* answer- No! 
XXXX Some of this can be backed up through emails XXXX* My credit report is showing 60 days late XXXX* We will fix it, but never did. 
XXXX* Today- My 60 days late wasn't any fault of theirs. 
XXXX This is unfair and unprofessional, especially when you have recorded conversations and you make it a point to notify the customer. Their representatives should not be allowed to misrepresent the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Experian Information Solutions Inc.
State: IN
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 two items on my Experion credit report that are in error and should be deleted.

( 1 ) An XXXX XXXX   item showing a {$59.00} debt that was in error when first reported as I cleared all charges with XXXX  when I terminated the service. I even carried the account for additional months so that I would not have this problem. They keep turning the account over to different collectors, as of now a total of 5 agencies have harassed me.

( 2 ) A derogatory report from XXXX XXXX in the amount of {$170.00} should never have appeared on my statement. At the time I terminated my account with XXXX   I made sure I continued with them beyond my two year commitment. At the time I also had XXXX XXXX through XXXX  and when I terminated I called XXXX and was told to discontinue paying XXXX   and start paying XXXX  directly, which I did. I can't imagine how I should have to pay twice for the same service.

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 2018-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I closed on a home through XXXX Mortgage and XXXX XXXX XXXX. XXXX XXXX XXXX received {$2200.00} in for XXXX Winter Taxes in my Escrow along with other closing costs on the day of closing. According to my contract XXXX XXXX XXXX was responsible for appropriating my tax payments. I received a letter dated XX/XX/XXXX stating that my mortgage loan had been transferred to PennyMac Loan Services , LLC . I was instructed to pay them {$1000.00} monthly per my original contract and was insured that my payments and loan conditions would not change. On XX/XX/XXXX a whole year later PennyMac Loan Service, LLC unexpectantly increased my monthly payment amount to {$1100.00}. When I called and asked why they made a change they stated that the increase was to pay them back for the XXXX Winter Taxes. When PennyMac took over the loan from XXXX XXXX it was already in the contract for XXXX XXXX to disperse the funds to cover the XXXX taxes. PennyMac did not inform XXXX XXXX nor myself at any point of a payment being made outside of the original contract. They are now adding additional amounts to my monthly payments for the next twelve months to recover their {$1300.00} mistake. This appears to be a breach of contract and a violation of my consumer rights therefore I am requesting an investigation to search for illegal practices. My taxes did not increase therefore my payments should not increase on a fixed FHA loan. I have contacted them many times and they admit that they should have sent me notification of that payment sooner and want to discuss easier payment plans so they can recover their {$1300.00} on taxes that I had already paid at closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a derogatory claim on my credit report with XXXX and I would like to know what it is. I have never had any account with 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 2021-04-24
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I was going over my CREDIT REPORT I found addresses that I never lived at. please delete the following XXXX XXXX  XXXX XXXX OH,XXXX-XXXX XXXX  XXXX XXXX  OH,XXXX  XXXX XXXX  OH,XXXX XXXX  XXXX XXXX OH,XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I booked a flight through Chase travel last year but had to cancel due to XXXX. My best friend booked the same exact flight with me as we were going together onto the trip, but directly through XXXX XXXX and got her full refund travel credit and used it with no issues. After XXXX hours on the phone the representatives told me that only {$1.00} of my {$230.00} credit would be able to be used and could not give any sort of explanation. They offered me {$100.00} rewards credit but that is losing more than half of my value for no reason other than Chase is taking my money. I declined and ended the conversation due to extreme frustration to try again another day. I called again and the representative lied to me and said they were booking a main cabin ticket because he was not able to book a basic economy ticket that I was looking at online for {$150.00} and instead booked one for about {$350.00} and change and it was more expensive because it was main cabin ( a better ticket ) and that was all he could do. He lied and upon checking my booking online at united.com the booking is still available for {$150.00} and I checked through Chase travel and it is still available there for {$150.00} and doesn't even give me the main cabin option, and he actually booked a basic economy so I can not even bring a bag on board! So he essentially took even more money from me as I paid the {$110.00} difference in ticket prices but actually gave me the lower priced basic economy ticket with no carry on bag even. The representative has lied to me and wasted my time XXXX hours later from yesterday and today please help me. I have called so many times and have tweeted them and no one at Chase cares to help, just take more money from me.

Company response to consumer: Closed with monetary relief