BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:07/01/2018 Balance : {$190.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened:XXXX Balance : {$150.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$850.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$99.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$91.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$58.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$92.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened XXXX XX/XX/XXXX Balance : {$55.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ASC is reporting on my credit as a foreclosure with multiple lates. I have never had an account with this company, nor do I know who they are. I never signed any documentation with ASC. The only mortgage I ever had was with Wells Fargo, which is reporting on my credit. I have never had any other Mortgages other than Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Credit Plus Inc
State: AL
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 mailed a letter dated XX/XX/XXXX about two inquiries that were not authorized from mortgage reporting. I had 1 inquiry that was authorized on XX/XX/XXXX. However, I have two others that were not authorized dating XX/XX/XXXX and XX/XX/XXXX. I never received a reply from the inquiry letter I sent either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX accessed my credit file with XXXX, XXXX, AND EQUIFAX without my permission. This was reported previously, as considered fraudulent inquiry, along with other simultaneous inquiries same day with other institutions, and which I did not authorize. On or before XX/XX/XXXX XXXX sent a letter describing the action, and stating that they were asking the CRA to remove the hard inquiries from my report, due to be considered fraudulent. An affidavit was sent tl them regarding this fraudulent activity, and in response to my kind request XXXX XXXX was deleting them after sending the affidavit and/or police report, without the need to go to small claims court. As up to date, XXXX  shows the 3 inquiries still, Equifax one, and XXXX  deleted both. Since this is a violation, to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 2 parties above. XXXX  and Equifax are neglecting to remove them after being way over the FCRA timeline without providing evidence, and method for verification. Should them continue in their non-compliance, I may end fighting AT COURT, for Some time with all the evidence and proof of delivery to the CRAS. As I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), they may be liable for their willful non-compliance. Failure to respond satisfactorily within 30 days from the original complaint, may result in a small claims action against the XXXX parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting. This has been reported repeatedly. CFPB please issue a fine for no compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Io, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX I made payment arrangements with XXXX XXXX to debit my account the balance I owed them, they received payment XX/XX/XXXX, XX/XX/XXXX and one that is set to come out in 3 days for the final payment of {$23.00}. On XX/XX/2019 Dated XX/XX/2019 I received a let from Receivables Management systems that I owed them {$46.00}, I called and spoke to someone at XXXX XXXX and told them that they sent me a notification that was wrong, and he tried defending the case and I explained that XXXX XXXX   had already received most of this debt and he continued to say that I needed to pay this amount and I responded back that the info was XXXX  and he continued to say if I did not pay this amount that his company would continue to charge me fees daily until I paid them and then he hung up on me!!!! I called XXXX XXXX and explained to the lady in billing what had just happened with them and currently on hold for her to clear this up. In the meantime I would like this company reprimanded for the wrong billings amount, and being being rude and making the comment that I would continue to be charged daily fees and hanging up on a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Never lived at the address below and my name is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Alliance One, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receive on average two calls per day asking if I am -some person 's name- and if so press! otherwise I am to ignore call. The name changes on each call and is never mine. This has been going on for several months now. My phone number has been on the national do not call list since XX/XX/2018. I have no debts except my mortgage which has never had a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: EQUIFAX, 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 first noticed issues on my credit report which were inconsistent I notified the bureaus on XX/XX/XXXX then again on XX/XX/XXXX. I will be attaching the letter I sent on XX/XX/XXXX along with a copy of my credit report from XX/XX/XXXX which show the same inaccuracies and inconsistencies. I will list them again for you. 
Date of last activity not consistent : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX Date of last payment not consistent : XXXX  : XX/XX/XXXX XXXX  not listed Equifax XX/XX/XXXX Payment status not consistent : XXXX  : Current XXXX  ate 120 days Equifax Current. 
XXXX XXXX which is your industry handbook all data needs to be accurate which clearly this isn't since each bureau has different data reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : DP OF EDUC XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home loan was going to reach maturity date but was not going to be paid off. Bayview loan offered to modify the loan where the payments would be reduced to {$190.00} with the first payment due on XX/XX/2019 and then due on the first of each month. I was advised no payment was due in XXXX due to the modification. 

Bayview continues to send " get back on track '' offers. They call my husband and me multiple times a day. When I call them they advise me I owe for 4 months as I am 4 months behind. But then I confirm I am not four months behind. The " speciality dept '' says the " regular '' dept has not been trained and they are not able to help me. However, they keep reporting my loan late to the credit bureaus. My loan has been current for months and yet they just recently reported it 90 days late when it is not. The telephone calls, late notices, foreclosure notices and the major hit on my credit report is unacceptable. I am current on my loan but they refuse to update their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: Experian Information Solutions 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2021-10-12
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently noticed that XXXX aka XXXX XXXX solutions has reported 2 erroneous collections on my credit report under act # XXXX aka XXXX and XXXX. My numerous attempts to resolve it with the collection company backfired and now I am being harassed not only at home but at work, and with relatives ... they have sent me " validation of debt '' claiming it was from CNU a California regulated loan company and enclosed a contract NOT signed by me reflecting interest charge of 357.84 %.. I first do NOT recognize this contract, did NOT sign this contract, and do NOT believe in the state of CA no company can charge more than 10 % interest rate... 
XXXX is refusing to remove these accounts from my report. Threatening to garnish my wages and to arrest me. How is this ok to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have being trying for 3 weeks to get a security freeze off my credit report that I had placed. Equifax should be shut down completely. They keep giving me excuses on they are working to fix the issue removing the freeze but the freeze is still there I been trying for 3 weeks now. They keep saying they are putting in a ticket to get it fixed and as of today it's not fixed. I will start looking at a attorney to handle this matter as I have read online other people who have had to same issue. I will look into starting another class action lawsuit because this is completely crazy. I am in the process of trying to get a home but can't because they can't pull my credit which has caused my family a great deal of pain. They hire all these people overseas to help you when most can't even speak proper english and I keep getting the run around CFPB please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
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: Public record information inaccurate

Complaint:
RE : Social Security XXXX I have recently been informed that there is negative information reported by Bankruptcy in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see three entry listings of Dismissed Bankruptcy as follows XXXX XXXX XXXX bankruptcy dismissed, account number : XXXX XXXX XXXX XXXX bankruptcy dismissed, account number : XXXX ; and XXXX XXXX bankruptcy filing, account number : XXXX. 

I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Bankruptcy and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Further, I DO NOT CONSENT to any automatic verification procedures and/or processes that your agency may use. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Attorney General 's Office XXXX 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 explanation
Consumer complaint received 2019-06-14
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Around the end of XX/XX/2019, my husband and I were looking to book a flight for an upcoming trip to XXXX XXXX. The XXXX XXXX site was advertising a promotion offered by Chase ; specifically, a {$250.00} statement credit to open a new revolving account with Chase. We both thought this was a good deal and sought to take advantage of Chases on-line offer. There were problems with the site, but I was able to log back in and eventually book my flight and obtain approval for the credit card. My husband experienced more difficulty with the site and was not able to complete his transaction until the next day. 
We received our first statements from Chase about a month later. Although my husband did, in fact, receive a {$250.00} credit on his statement, I did not receive it on mine ( copies enclosed ). I immediately phoned Chase and was told by a representative that I did not apply for this offer ; I was told that the offer I applied for entitled me to some sort of bonus miles, which I did not need or want, since I seldom travel. 
I asked the representative, and then a supervisor, if they could switch the bonus miles to the {$250.00} statement credit that I applied for, and I was told they could not. I escalated the complaint, and Chases final answer to me on XX/XX/XXXX was that they could not assist me, and I got what I applied for. 
I am disappointed in this unfair treatment by Chase. I followed the instructions on the website to apply for the {$250.00} offer. I never read about another promotion, nor did I intend to apply for any other promotion. I am only asking Chase to honor a bona fide offer that was in effect on the day I applied for it, and for which I intended and believe I did apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: HANCOCK WHITNEY BANK
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off my consumer Loan with XXXX XXXX XXXX. Now Whitney Bank is calling me stating the loan was not paid off I owed them {$7.00} and now late fee charges because they have no way to see what XXXX XXXX XXXX did to process my payoff. I told them several times it was paid now they want me to locate the note stamped paid and bring it in to the bank to clear this up. I do not think it is fare for me to have to prove I paid off the loan prior to Whitney receiving the loans from XXXX XXXX XXXX. I did my part and paid off the loan now I have to prove to the company who took over the previous company I paid off the loan because they made a mistake.

Company response to consumer: Closed with monetary relief