BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Over the last 4 months, XX/XX/2021, I've been trying to persuade Experian to re-insert and keep reporting two of my credit cards. They said that a notification was sent from XXXX about fraudulent activity, but XXXX still reporting my accounts as of today. 

XXXX PURPOSELY DELETED TWO OF MY CREDIT CARDS ACCOUNT WITHOUT MY CONSENT OR AUTHORIZATION. I SPOKE TO BOTH CREDITORS, XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX AND THEY BOTH DENIED ANY WRONGDOING OR MISCOMMUNICATION WITH THE CREDIT BUREAU. UNEXPLICABLY, XXXX DECIDED TO DELETE THESE TWO ACCOUNTS, IN ORDER NOT TO HELP MY CREDIT RATINGS OR SCORE. THIS HAS BEEN A CONSTANT FIGHT AND ORDEAL, FOR ME TO BE ABLE TO MAKE THIS BUROCRAT CREDIT REPORT ACCURATE INFORMATION, FOR MORE THAN 6 MONTHS NOW. I HAVE NEVER SAID THESE ACCOUNTS WERE NOT MINE. WHAT I DISPUTED WAS THE BALANCES AND INNACURACIES THAT WERE BEING REPORTED.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

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 2022-01-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent nca i debt validation letter on XX/XX/XXXX. They requested more time. I also sent them a complaint on XX/XX/XXXX, and they requested more time. They did not provide me any proof of this alleged debt. How can they say I owe a debt when they have no paperwork or any contract with my signature? Nca needs to delete this alleged debt today from all credit bureaus. They have had plenty of time to come up with the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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: Account status incorrect

Complaint:
I have been working with all XXXX bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.

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 2018-12-10
Company: EQUIFAX, INC.
State: AZ
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 failed to positively verify the accounts and has hurt my ability to obtain credit. I did not have a contractual obligation to pay the accounts balances, they are not mine..Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed XXXX  XXXX, XXXX XXXX, XXXX   XXXX, Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I appled for a rental house. Transunion reported back to the company that I had a criminal record in Georgia and the company denied me for the property based on this information. I do not have a criminal record in any state and has never had one. I went and had a criminal history ran at the police department and has submitted it to them. They state it will take 30 days for the dispute to be completed. I have less that 30 days before I have to move because the owner of this property is moving back into it. I have an XXXX XXXX XXXX daughter and this has been very stressful not knowing where we will go. I can not keep applying to other companies without this correction being made, for fear that i will continue wasting application fee and being denied.

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 2021-09-15
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My chase credit card had 3 charges show up that were not mine. They were all places I dont go to - liquor store, fish market, and a gas station Ive never been to. The fish market was refunded but they are refusing to refund the gas and liquor charges which equal over {$110.00}. They claim I received a benefit from those charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24
Company: EQUIFAX, INC.
State: LA
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 contacted Equifax on XX/XX/XXXX about some items that was incorrect on my credit report. Equifax sent me a letter back stating that they didn't have a credit file for me. I do have a credit file I have an auto loan and credit cards. This hurting my credit score. I am attaching the information that was sent to equifax on XX/XX/XXXX, along with my driver license.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On X/XX/2017, I mailed a dispute letter to XXXX asking them to remove a negative account, XXXX XXXX XXXX from my credit report OR to verify that the debt belonged to me and to send me the name, address and phone number of the person that verified the debt. I wanted them to obtain physical proof. The dispute result came back as " updated and verified ''. In addition, XXXX has allowed this company to raise the balance owed on more than one occasion. I have NO open account with this company and yet, XXXX keeps allowing them to raise the balance. I am desperately trying to buy a home and this is keeping me from that goal.

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 2022-12-10
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I applied to PHH mortgage for removal of PMI from my monthly mortgage payment. On XX/XX/XXXX I paid {$150.00} for the required appraisal to support PMI removal. Shortly thereafter, the appraiser came to my house, took pictures/notes, and submitted that material to PHH.

In the subsequent months, I have called and emailed multiple times to various departments within PHH to inquire about the progress of the review of my PMI removal application. Multiple times, I've been told by escalation managers that they would call me back tomorrow or the week after. I rarely receive these calls back and have to call and explain the situation to yet another escalation manager. I'm told that I can not directly call the department responsible for removal of PMI. They have sent me 1 letter and 1 email saying they would get back to me within 30 days, which they have never done. 

I purchase my home for $ XXXX in XX/XX/XXXX. My loan amount was $ XXXX. As of XX/XX/XXXX, when I requested PMI removal, the appraised value of my home was well over $ XXXX, easily meeting the required loan to value threshold for PMI removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
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:
Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.

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 2022-12-10
Company: Experian Information Solutions Inc.
State: OH
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 have disputed this info since XX/XX/2022 My experian inquiries are XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX inquiries are 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 2022-01-26
Company: EQUIFAX, INC.
State: CO
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Paypal They call multiple times everyday and do not leave a message. On Thurday, XX/XX/XXXX I contacted them to see if they would work with me to try to have fees waived so that payments I was making were totally going toward principle. Right now the principle has almost doubled with the fees and interest added. Because I couldn't make a payment Thursday they directed me to pre-bankruptcy counseling firms. I make too much money to do bankruptcy but not enough to keep up with the cost of living in NYS. The amount owed is approximately XXXX ( XXXX ) Payment was made for XXXX and a late fee was attached in the amount of {$38.00} and interest of XXXX which only left {$2.00} going toward the balance. I became a widow a few years ago and had never managed household expenses. Also I get very small increases at work {$25.00} per payperiod yet my rent went up XXXX per month and fees doubled per year.

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 2022-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported XXXX student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, XXXX and Transunion with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX XXXX as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.

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 2018-12-10
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Hi my name is XXXX,, I have attempted to contact Equifax regarding 3 separate unverified accounts that are sitting in my credit report negatively affecting my ability to obtain credit. 

I have sent a dispute letter requesting that these negative accounts be Verified or removed. 

Equifax has failed to respond to my dispute letter sent on XX/XX/2018 and received by Equifax on XX/XX/2018 Equifax has failed to respond to my dispute letter within the fair credit reporting act 30 day response time deadline. 

They have failed to provide me with verifiable documentation verifying these accounts or remove said negative accounts that are preventing me from getting credit. 

These unverified negative accounts which ave been copied, notarized and sent via certified mail with proof of delivery have not been verified within 30 days of receiving in accordance with the FCRA 30 day deadline. 

Ps : I noticed it said I shouldnt write any personal info!! If you do need any personal information to help this situation please contact me I have all documentation ready. 

Below there is an attachment of 3 separate photos providing proof of sent disputes to Equifax on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Waypoint Resource Group, LLC
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I rented a house from XXXX to XXXX and received XXXX internet and TV service at my house. I moved out of the house in XX/XX/XXXX. I called XXXX and terminated my service when we moved out. But for some reason, XXXX kept the service at the house for the new tenants. I received a final invoice from XXXX that included two extra months when I was not renting the home. I told XXXX customer service I did not accrue those charges as I already moved out of the house, and I called and told them to cancel the service as of XX/XX/XXXX. In early XXXX, I received an invoice from XXXX for {$400.00}. I called XXXX, refuted the charges, and told them I was not living at the house and had called and canceled my service before moving out. I have refused to pay the charges since I did not accrue them. XXXX then turned the charges over to Waypoint Resource Group sometime in late XXXX or early XXXX. It has since appeared on my credit report as derogatory mark. I have called the Waypoint resource group numerous times to remove these charges from my credit report. I told them I do not owe any amount to Waypoint Resource Group or XXXX. Waypoint Resource Group has refused to remove the derogatory charges from my credit report, which has affected my credit report over the years. Waypoint Resource Group has been renewing the charges on my credit report every year as if the report appears every year. They just renewed the charges as of XXXX of XXXX, even though they initially put them on my credit report in late XXXX or early XXXX. I made a point not to pay these charges all these years because I did not owe the amount to XXXX, nor did I owe this amount to Waypoint Resource Group. I want these charges removed immediately. Thanks for your consideration.

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 2022-12-10
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2022, I lost my Chime debit card. I made the initial request to receive a replacement card the same day. A week later, there was an attempted transaction which was declined due to the perpetrator not knowing my personal identification number. I informed the company via email and they did nothing but parrot the same requests for identification which was once again provided upon request. On XX/XX/2022, Chime was sent all the info requested including a photo of me holding my current State ID card to confirm my identity ; as they requested. Simultaneously, numerous emails were sent attempting to resolve the issue, including re-delineation of my XXXX ID and all other info requested by Chime. The company kept requesting the same information, by different representatives, after it was already sent via email. The amount in question is approximately {$79.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notice of collection from Nationwide Credit and Collection , Inc for {$40.00} on behalf of XXXX XXXX  XXXX XXXX. The debt has already been paid to XXXX XXXX  XXXX XXXX via their online payment processing system. A formal dispute letter was mailed to Nationwide Credit and Collection , Inc on or around XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
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:
I opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX XXXX be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for 1 year, 4 months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX ; I am writing to delete/remove the following information in my file. The items I need deleted/removed are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted/removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete/remove the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation