BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have had NOTHING but problems with Equifax for the past SEVERAL YEARS and I am getting sick to death of it. My wife and I are trying to purchase a new home, but there are inaccuracies on my Equifax credit report that are decreasing my credit score and I CAN NOT ACCESS MY CREDIT REPORT ON THE EQUIFAX WEB SITE TO DISPUTE THESE ITEMS AND HAVE THEM REMOVED. I have had absolutely NO problems with XXXX or XXXX and my scores with those two bureaus are nearly 100 points higher than my Equifax report because these crooks with Equifax have repeatedly denied me access to my credit report and their online dispute!!! I can only view my Equifax report via the XXXX XXXX  web site, but I have to do all disputes through Equifax directly which I have NOT been able to do. Literally EVERY SINGLE TIME I try to access the Equifax online dispute system, I get the following error " This site cant be reached. My.equifax.coms server IP address could not be found. '' I have tried to access this on multiple different computers and mobile devices as well as multiple different browsers, but I continue to get this same error on all of them. I have contacted Equifax by email a few months ago, who was TOTALLY useless and did absolutely NOTHING to help me. All they did was mail me a copy of my credit report. THAT IS NOT WHAT I NEEDED!!! I need my ONLINE ACCESS TO THE DISPUTE SYSTEM FIXED!!!!! You people are infringing upon my consumer rights to have full access to view my online credit report as well as dispute items on it. I finally got fed up and MAILED my dispute to Equifax 2 months ago ( XXXX of XXXX ). It is now XXXX and have NOT had a SINGLE RESPONSE to this dispute, not even so much as acknowledgement of receipt of my mailed dispute!!!! Upon doing some online research and reading some posts credit forums from other consumers, I have quickly discovered that almost EVERYONE has these types of problems with Equifax. If my online access to my credit report as well as the online dispute is not corrected by XX/XX/2020, I will be getting my attorney involved and will be taking legal action as well as potentially starting up a class action lawsuit against Equifax, because I KNOW that I am FAR from the only who is having problems with this bureau. What you people are doing by denying me assess to my credit report and online dispute on your web site is ILLEGAL, UNETHICAL, and is a VIOLATION OF MY RIGHTS AS A CONSUMER and I WILL NOT stand for it any longer. I have been dealing with this Equifax nonsense for YEARS. I have NONE of these problems with the other 2 credit bureaus and have been able to successfully raise my scores a great deal by utilizing their online disputes and having inaccurate and old negative items removed, which Equifax is NOT affording me the same opportunity to do, and that is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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: Public record information inaccurate

Complaint:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Transunion continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter have not responded to date. 
" Transunion states that they have investigated the and verified this items and that the company that reported the information has certified to Transunion that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers of information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by XXXX XXXX XXXX and I have proof of this information. 
XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXX XXXX/Reference XXXX XXXX XXXX XXXX XXXXXXXX XXXXReference XXXX Was removed however if this was verified and accurate why was this removed and not the others.

XXXX XXXX XXXX XXXX XXXX/Reference XXXX Please remove it from my credit report. 
Attachments that were sent to Transunion as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified

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 2017-11-02
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, Please answer the questions that are with in the complaint and not a computer generated response that has been indicated in every response that you have submitted. Please provide the proof of notice that was mailed on XXXX/XXXX/XXXX and a statement from the property that the assumed debtor was occupied by XXXX XXXX at the time of mailing. This is to verify that an actual NOTICE was ever sent within the time frame of the law. Also please provide the matching identification ( government issued XXXX to the contract that you are stating that I have with MOSIAC. Verification must be verified with the actual presented documents. I will continue to communicate with you through this portal because to secure a XXXXaper trail in this next process. Again, please attach the  actual letter that was actually sent to XXXX XXXX XXXX XXXX. Addressing me and all information that is required within the 5 day timeframe, thanks. 
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed  agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
XXXX XXXX please provide your title with the company XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
They said our forbearance has been used up 18 months not continuous but we need to start paying mortgage, when I call to arrange & fix forbearance payments different XXXX bank reps keep giving me run around. For months saying its been escalated. We need to pay mortgage this XXXX already but everytime I call, they said we need a mgr to work payment plan for XXXX we owe but no one can help us. They keep saying call back. We dnt want to lose our home but it seems we cant get help either. They said dnt pay XXXX bec the past due needs to be discussed first. I will be delinquent this XXXX already. thank you

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 2022-03-08
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureaus, as willful negligence and non-compliance with federal statutes. Please UPDATE the accounts in my Credit Report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXXI took out a home loan with XXXX XXXX DBA XXXX. They filed Chapter XXXX Bankruptcy in XXXX. Recently I have received the attached letter from XXXX XXXX  XXXX XXXX XXXX operates as a subsidiary of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX. United States. Tel. XXXX acting as TRUSTEE for the LSF9 MASTER PARTICIPATION TRUST, and serviced by CALIBER HOME LOANS. We have contacted XXXX XXXX XXXX directly and they claim that XXXX MASTER PARTICIPATION TRUST does not own any mortgages and does not have any assets? We attach a letter from our Attorney requesting all the documentation regarding this matter and have still not received the reply to the attached Qualified Written Request ( QWR ). We understand that there is a case of fraud active in the Texas Federal Court, Case number : 1:17-CV-297 against them and would like for the Consumer Financial Protection Bureau ( CFPB ) to investigate this further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
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 a letter to experian about items furnished on my credit report without my consent. I am furious as these items are damaging me as a consumer XXXX cant even purchase a house because of it. It has been over 30 days and I have yet to receive a response!!! This is absurd

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 2022-03-08
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022, I purchased an airline ticket for my husband with XXXX XXXX. I chose PayPal as the payment option, and selected " use PayPal balance '' for the transaction, because I had {$2600.00} in my PayPal account at the time. The total cost of the purchase was {$2500.00} ( {$2500.00} for the ticket + {$41.00} for seat upgrade ). After the purchase, I checked my PayPal account and saw that my {$2600.00} balance was reduced by {$2500.00}, as expected. The following Monday, XX/XX/XXXX, I checked my XXXX credit card account ( which is linked to my PayPal account ) and saw that a {$2500.00} charge from XXXX posted to my credit card account. Upon reviewing my PayPal account, I found that the {$41.00} seat upgrade posted with the funding source as " PayPal balance '', but the airline ticket posted with the funding source as my XXXX card. However, my PayPal balance was still reduced by {$2500.00}. I spoke to PayPal, and they said that for some reason, there is still a temporary hold/pre-authorization on my PayPal funds XXXX though the transaction posted to a different account. I was told by PayPal that only the merchant could cancel a pending charge. I contacted XXXX XXXX and they told me there is nothing they can do because they have limited access to PayPal transactions and do not see a pending charge on their end. I then contacted PayPal again and was told they would escalate the situation and I would receive a call back, but as of today I have received no further communication and there is still over {$2500.00} tied up in this mistaken pending charge. The only concrete response I have received is that I have to wait 29 days for the pending charge to " fall off '' to get my Monday back, which is causing major financial hardship for my family. I spoke to 2 different people with PayPal customer service and they could both see the issue from their end. I have been unable to get XXXX XXXX and PayPal to communicate with each other directly to remedy this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am having some issues with addresses on my file that are not accurate. My XXXX XXXX. XXXX I live at XXXX XXXX XXXX, XXXX, OH XXXXplease remove delete any other address. My DOB is XX/XX/1963, my SS # is XXXX. Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: SYNCHRONY FINANCIAL
State: AZ
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:
On XX/XX/22, I made an online purchase on the JC Penney website. The following day ( XX/XX/22 ), I noticed that JC Penney was using my former residential address as a shipping address. I contacted JC Penney customer service via phone and requested cancellation of order due to their reported inability to make corrections to this order ; the customer service representative agreed to cancel order and send confirmation email. 
On XX/XX/22, I received an email from JC Penney informing me that the order had been shipped to wrong address. 
Since that date I've disputed the charge, have had multiple exchanges with JC Penney customer service and credit card division. It should be noted that my earlier attempts to resolve this matter with the vendor have been unsuccessful. In fact, the vendor never adjusted my account in response to my dispute. The vendor 's responses have been limited to requesting return of items which I never received. 
To summarize, my online order was shipped to the wrong address despite my attempt to inform the vendor within 24 hours of the original purchase. 

See attached for further information regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/2022 AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, KS XXXX This company has been sending me collection notices in the amount of {$1400.00}. This collection has been reported as past due balance. I do not know this company, nor have I ever done any business with this company. This company does NOT have a contract with my signature. Here are two other companies as well, reporting to my credit report. 
XX/XX/2022 XXXX XXXX XXXX Amount {$640.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 XXXX XXXX XXXXXXXX Amount {$370.00} XXXX XXXX XXXX XXXX MO XXXX I do NOT have a signed contract with any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Selene Finance LP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a response from XXXX XXXX on behalf of Selene Finance dated XXXX XXXX, XXXX stating that they are not able to respond to the complaint with furthermore reference of, yet another company, XXXX, who initiated collections on the account. 

Upon communications and multiple open complaints lodged against XXXX XXXX XXXX, XXXX has failed to provide a subsequent response as of XXXX XXXX, XXXX. 

Furthermore, XXXX XXXX XXXX XXXX has stated that they required an extension of 60 days to respond. The extension has expired. XXXX failed to respond as of XXXX XXXX, XXXX despite of the fact that the necessary documentation was submitted. 

If Selene Finance has become an official representation of XXXX XXXX  XXXX, they have to reference any and all open complaints and documentation and provide an immediate response. 

Additionally, Selene Finance is to specify their relationship and affiliation to XXXX XXXX XXXX as to which they referenced in their response Paragraph 3 line 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed several disputes in attempt to have this account deleted from my credit report. One credit reporting agency deleted this account and the other two will not remove this account, I do not believe the other 2 reporting agencies have investigated this issue. If so, why isn't it deleted on all 3 bureaus XXXX is reporting XXXX XXXX acct # XXXX Equifax is reporting XXXX acct # XXXX This information is incorrect and should be deleted by the remaining bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX process a transaction that I was not approve of, I contact Capital One regarding this matter. I have express to Capital one that this transaction was not approve from me and that I have try to get into contact with this company many time therefore have not receive no response from this company. I have receive an email today XX/XX/2019 regarding they have denied my claim and refuse to fight for my payment back. 
I have made it clear to Capital One that this transaction has no sign document, written, oral agreement for this transaction. I also made it clear that this company have took their service back and I no longer have their product. Capital has refuse to take matters in action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: CITIBANK, N.A.
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:
I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT CITI BANK AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. CITI BANK AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.

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 2018-01-19
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never lived at the address where service was billed was not my account

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 2017-11-02
Company: Navient Solutions, LLC.
State: MO
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 XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, XXXX, XXXX concerning the Dept of Ed/Navient accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XXXX of XX/XX/XXXXmy payment history reflects Ok/Current and the following month XX/XX/XXXXit reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month. 

I sent the above complaint to XXXX, XXXX and XXXX. XXXX responded stating that they store information in their records as it is supplied to them by creditors.

Company response to consumer: Closed with explanation