BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: KY
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:
XXXX XXXX  reports 3 different dates under date of last activity even after their verification, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX.How is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THERE IS A NEGATIVE REMARK FROM XX/XX/2013 THAT SHOWS A DEBT WAS PAID AND THEREFORE CLOSED. THERE WAS AN ISSUE WITH THE ACCOUNT THAT XXXX HAD FAILED TO FIX ON TIME AND DID NOT ALLOW PAYMENT. ONCE PAYMENT WAS PROCESSED THE NEGATIVE REMARK WAS SUPPOSED TO BE REMOVED.

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 2023-05-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS IS NOT MY ACCOUNT. NO SIGNED CONTRACT OR MY LEGAL SIGNATURE FOR ANY CHARGES. 

mcm accounts XXXX mcm accounts XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-12
Company: EQUIFAX, INC.
State: MA
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:
Equifax was hacked and allowed all my personal information to be stolen. I have had to place credit freezes on all my Credit Reports from all 4 agencies. I am now a victim of identity theft. I can not believe that Equifax is still in business ... ..XXXX XXXX Americans were hacked in something that could have been prevented but their incompetence has allowed XXXX XXXX Americans to be victims - This is unacceptable and not only should the heads of that company be held legally responsible but the company should be forced into closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
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: Account status incorrect

Complaint:
This is the second time in 18 months that XXXX has inaccurately reported my account as not current. The company is XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA XXXX They have just reported my account 30-59 past due. On XX/XX/XXXX I actually paid my account in full. The email I sent to the company is below. They won't respond and can't be reached. I suggest you contact both LoanDepot and the company they are DBA as who they might have sold the loan to. 


XXXX XXXX XXXX XXXX XXXX ( 11 minutes ago ) to inquiries I am in the middle of a home purchase and just paid this loan in full. It was paid in one week ago in XXXX. 

Your last credit update to Equifax shows this loan as 30 days past due. It has never been 30 days past due. I am simultaneously filing a policy report, claim with the Florida AG, and a complaint with the CFPB. Your are egregiously impacting my home purchase. I demand a call immediately and an update to the credit bureaus showing my account paid in full and NEVER late. 

My last 4 payments to your company which I am pulling directly from my bank statements : - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$400.00} - XX/XX/XXXX - {$350.00} - XX/XX/XXXX - {$370.00} - XX/XX/XXXX - {$6300.00} ( paid in full )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: LEXISNEXIS
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:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Google Compare Credit Cards Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I received a call from XXXX ( XXXX ) XXXX claiming they were with the FBI and that my identity had been stolen and my social security number needed to be changed. They told me I needed to purchase Google Play cards in order to protect my money. I called Google Play and let them know and they told me to file a complaint here. I purchased these cards through XXXX XXXX and XXXX. Attached is the voicemail and receipts I received.

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 2018-04-12
Company: EQUIFAX, INC.
State: NC
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 went through the CFPB because I saw two collections I knew were not mine from XXXX XXXX XXXX. The response is attached ; XXXX XXXX XXXX does not have these. Yet nothing has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I cancelled my XXXX XXXX XXXX internet utility service after moving in XX/XX/XXXX. I had been renting a router, and per their instructions upon cancelling returned the router to them by bringing it to a XXXX store to be mailed. I received confirmation of my account cancellation, with a {$0.00} balance after final billing. 

Several months later, I received a bill from XXXX XXXX XXXX for approximately {$300.00}, attempting to charge me for equipment not returned. I spoke via online chat to their customer service, and received confirmation that this charge was in error, and would be removed from my account. I have a chat transcript and reference number as proof of this. 

Months after the first interaction, a collections agency contacted me looking for the same ~ {$300.00} amount, which had apparently not been scrubbed from my account, and sent to collections. Again, I went to speak with XXXX XXXX XXXX service, clarified the mistake, and was assured that the charge would be removed. 

Today ( XXXX XX/XX/XXXX ), I received a letter from XXXX XXXX XXXX   notifying me that they are attempting to collect a debt of {$340.00}. The letter states that this is from my XXXX XXXX XXXX account. I spoke to AT & T service again, and was referred to their collection/financial team, which stated that because the billing system was automatic, they could not do anything about the amount being sent to a third-party collection service. 

I returned my equipment almost a year ago, and have been repeatedly sent to collections, which threatens my credit score. How can I resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
please review the following fraudulent inquiries on my credit report XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/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 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I did a dispute on XXXX XXXX to the credit reporting agency on the XXXX and I havent received any update or status on the 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 2019-03-18
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with them. They approved me for XXXX. On the approval letter they said there is a guarantee XXXX $ if they couldnt close. After 1 week of opening the escrow they denied my loan. Im asking for the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-23
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: Information belongs to someone else

Complaint:
accounts had been opened in my name, this is a written request to block this accounts from my credit report in accordance with FCRA, fraudulent information should be block from consumer credit file. An FTC report had been filed as well as a XXXX police report # XXXX. 
Upon completion of the review please remove all none account holding inquiries and all addresses other than my current to prevent others from using my identity, I also would like a copy of the updated 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 2019-02-23
Company: Comerica
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
XX/XX/XXXX I closed an account with XXXX XXXX. This past XX/XX/XXXX a check was cut for {$2000.00} and mailed to me. That check has never reached me. I have tried without success to contact and talk with anyone. It has been 3 years that I have been trying to collect this money in which i had to spend hundreds of dollars in court fees getting together the correct paperwork. I have reached out to the us treasury and ask for help. That is where this company is a branch of. I have tried every avenue i know of to contact anybody with this company for answers to why i have not received this check without any success. i did everything i was asked to do by them initially to receive it which was filing a small estate affidavit which cost me {$200.00} through the court as well as provide all documentation ( death certificate and birth certificate ) After they said they sent the check and i waited a reasonable amount of time to receive it all communication stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home in a planned community in XX/XX/2017. First, the builder prequalified my wife and I not including all taxes. I believe the escrow company proceeded to give the lender incorrect figures, not including all future taxes, which led to an escrow shortage of {$9000.00}. The lender now wants this money immediately for their mistake. Multiple neighbors in my track that bought from same builder and used same escrow company are experiencing the same problem. All of our lenders are demanding these escrow shortages immediately. I fear I will lose my home along with other neighbors in this track. I am currently having to refinance my home just to pay for this shortage and just to be able to stay in my home. Its costing me over 15 thousand to refinance my home.

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 2019-02-27
Company: Experian Information Solutions Inc.
State: AL
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 several occasions I submitted numerous of letters to experian, XXXX, and XXXX, stating that there are accounts on my credit report that doesnt belong to me and to verify that these accounts belong to me by sending original documents with my original signature but neither could verify that these accounts belong to me or send me documentation that these accounts were mine.

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 2019-02-23
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday, XX/XX/ 2019 I transferred {$130.00} from my XXXX account to my Suntrust account. The money has subsequently been stolen by Suntrust ( they do not recognize the transfer despite XXXX saying the transaction was completed and my funds being missing ).

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 2023-07-14
Company: PNC Bank N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
When I applied for a Business credit card with PNC, I was denied. According to Equal opportunity credit act as well as 15 USC 1602 p. Unauthorized use of credit and no benefits was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TD Bank has failed to process my mortgage payments timely and claims I owe them {$52.00} due to their error. They threated to report me to credit bureaus because of their mistakes and failure to process my payments. They are horrible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: TX
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:
Hi, I filed a dispute with Chase in XX/XX/XXXX, for a {$1500.00} ( XX/XX/XXXX, reference # XXXX ) charge to my credit card.

I received a message from Chase.com stating that they would work on it. The message further stated : " If we make any adjustments to your account .. You'll also see the adjustments on your billing statement. '' On or before XX/XX/XXXX Chase agreed and credited my account ( adjustments ).

I have snapshots of my account dated XX/XX/XXXX, that show the XXXX XXXX transaction for {$1500.00} was credited back to my account. I also have a snapshot from the Chase.com website stating " There is no amount due on this account ''. It also showed my balance was a negative {$1500.00} on XX/XX/XXXX. Several of these snapshots are attached ; including one of my XXXX statement showing my current Balance as {$310.00}. 

Then on XX/XX/XXXX the transaction was re-posted to my account for {$1500.00} ( XXXX XXXX ) as if I had walked in and physically used my credit card. I did not! Nor did I make any transaction or payment online with them in XXXX or XXXX. I have not been to this place ( XXXX XXXX   ) since XX/XX/XXXX, before I disputed the first charge. This is a second charge which is even more fraudulent than the first one.

In a XX/XX/XXXX letter Chase says that I waited too long to dispute the XX/XX/XXXX charge, but incorrectly calls it the XX/XX/XXXX transaction, which they had already resolved/credited. I have not had any other services with XXXX XXXX. So if this is the same charge resubmitted as another transaction it is fraudulent. 

Either way the time issue/error is Chase 's. The complaint was in XX/XX/XXXX. Their XX/XX/XXXX reply saying it's been too long is their error. Just as I have to bring the issue to their attention within 60 days, they also have a limited amount of time.

Additionally, it was already credited back to my account!

Thank you for your help resolving this error. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing transferred to Shellpoint on XXXX. Today XXXX I received an email from them containing a video. Which stated that my payment is due on or before XXXX. Stated at least twice during the video. I still have not been provided a loan number. A link to their website was provided. And guess what you can't get to your loan without a loan number that they have yet to provide. This is essentially electronic harassment, waste of my time and resources, and poor customer service. I can't mail or make my payment online because THEY have not given me a loan number. Despite their choice to email me electronically. And they guide me to their website which I can't access because of their failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation