BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
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: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there is an inaccurate itemon my credit report. This have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
The credit reporting agency has done it again I sent in every single document for an alleged Bankruptcy file # XXXX they have reporting on my report. I just received a document from them stating the item was verified which is completely false and in violation of the fcra. They stated to me the item was verified through XXXX XXXX. I then went to them and they replied they could not even verify the information and removed it from my file. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted and they responded and flat out lied that the item was verified. This has been going on since XXXX. I have now gotten my states attorney involved as well as the XXXX XXXX XXXX. They are violating my rights and damaging my credit. I do not think they are conduction any research and furthermore once gain I sent them every single document. it is also on XXXX  website they use XXXX XXXX : XXXX  has removed it off my report with no issues because once again it is unverifiable and false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On or around XX/XX/XXXX I have been in communication with my student loan lender ( Granite State Management & Resources XXXX XXXX XXXX XXXX, NH XXXX ). I am currently applying for a major loan and I need my actual payments when my loan go into repayment. I have been advised that my account can not go into repayment or that they can not update the payment until the grace period elapses. The system would show that I am on the extended plan, however, will not change the term from 120 to 300 months. This document will determine whether or not I get the loan. Therefore, it is urgent that someone help me. I am not able to wait until XXXX of 2019 to get my correct payment data. Additionally, I was told the Department of Education will not allow me to go into repayment status before the grace period. I have other loans with a different provider and I didn't have this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Resurgent Capital Services L.P.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a Debt Validation Letter to XXXX XXXX XXXX C/O Resurgent Capital Services. The letter was received on XX/XX/2018 by someone named XXXX XXXX. The letter asked to provide information on an account that is not mine but is showing on my credit report. The company never responded back to my request. In the letter that I sent, it specifically stated that they had 30 days but ignored my request. This violates Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act. After a few months, I sent another Debt Validation letter that was received XX/XX/2018 by XXXX XXXX as well. I received a response back on XX/XX/2018. Instead of them provided the information that I requested, they sent me an " account summary '' that they suggest provides proof of debt. It's not detailed, there is no contract, they do not have my signature on anything. I doesn't even have the address associated with this account. I have never heard of this account in my life and I've never had a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from XXXX XXXX, I never applied for a loan with XXXX XXXX and I am DEMANDING XXXX XXXX REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING XXXX XXXX STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
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: Was not notified of investigation status or results

Complaint:
Equifax put a fraud alert on my credit report for no reason at all and it caused problems getting my electricity connected to an investment house. Tried their phone support but they don't answer their phone. Finally I decided to get a free credit report from them to see what was wrong. There was nothing wrong with my information except that they still showed an old address as the current address and a statement " file blocked for promotional purposes ''. The two other credit reporting agencies did not have any of those errors or fraud alerts. That gave me a chance to correct that so I sent them all the information to be corrected including a copy of their own credit report in XXXX that showed the correct address information. On XXXX XX/XX/XXXX they sent me an email that the dispute was completed. I must have tried about 20-30 times to access the information on line but every time they display " We are unable to process your request! contact us directly '' etc. I checked if other people had the same trouble and sure enough.. XXXX XXXX XXXX shows 1029 complaints about Equifax and how they try to make money rather than giving your dispute results. Why is Equifax getting away with being the most difficult credit reporting agency to work with. Why can't we have just one decent credit reporting company? Would it be possible to have a class action lawsuit by the citizens of this country?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX  XXXX. out of XXXX, Ma are attempting to collect on an account that I defaulted on with American Express. They have sent me numerous legal documents and filed judgements against me but as many times as I have called their office and tried to speak to an attorney, they are never available. I am only able to speak with collection agents and Managers. These agents and Managers are extremely pushy and insist on getting me to pay amounts I simply can not afford. I have a number of debts that I am trying to resolve and they keep threatening Garnishment and will only make 3 month payment arrangements so they can try to push me to higher and higher amounts. Even then, theyare clear to let me know that they will not remove the threat of garnishment unless I pay in full. They refuse to make an affordable payment agreement with me. I am going to send them what I can but am in great fear that they will garnish my wages even though I am paying them regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion has received three ( 3 ) Identity Theft Reports from me with the names of unauthorized hard inquiries and they do not acknowledge removing them. They have blocked or deleted the fraudulent account but completely dismiss deleting the unauthorized inquiries. My last Identity Theft Report was sent to TransUnion certified mail on XX/XX/XXXX and listed six ( 6 ) unauthorized inquiries. TransUnion dispute results were sent to me in the mail and say nothing about removing the inquiries. The inquiries that should have been removed with the fraudulent account on my Identity Theft Report are as follows with date requested. XXXX  -  XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX -  XX/XX/XXXX, XXXX/XXXX  - XX/XX/XXXX, 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 2018-09-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber Home Loans has refused to deal with me regarding my mortgage loan delinquency and impending foreclosure. I have been trying to get Caliber to provide me with assistance on our home mortgage, but they have turned their backs on our situation and we are going to end up losing our home through foreclosure if things keep going this way. My wife and I went through some very difficult times in our relationship and ended up separating. During this time we fell behind on our mortgage and were not able to get things back on track quickly. Fortunately, we are back on our feet and can now afford the mortgage payment. However, when I attempted to work with Caliber, they simply ignored my requests for assistance and now I am in a situation where we may lose our home through foreclosure. I have XXXX young daughters and nowhere to go if we are kicked into the streets. Our backs were against the wall and the agents at Caliber couldn't care less. 

We have asked for a loan modification but it seems they can not get their process together well enough for us to finish the process. I would even take a forbearance agreement to give my family a chance to get caught up, but Caliber has closed the door on that option. I have tried repeatedly to get Caliber to provide us with a solution through a modification, but they are refusing to open a review for assistance. We believe that we have the right to have our loan reviewed for retention options and to obtain a mortgage statement. Their representatives just want to get us off the phone and will engage in discussions to save our home, even though our mortgage loan clearly qualifies for a modification based on the government guidelines. We have never had a single point of contact and we are very frustrated. The end result appears that we will just lose our home through foreclosure unless you can step on and ensure that they service our loan properly. Your agency has made the parameters of loan servicing very clear and we refuse to lose our home through foreclosure because Caliber is failing to properly review our loan for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CHASE CARD XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. ( Bureau ) only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: SOUTHWEST FUNDING, LP
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX with Southwest funding was absolutely horrible. I lost out on a deal for my future home twice due to his negligence. He was ill prepared and just unconcerned for anyones livelihood other than himselves. I voiced my frustrations with his lack of communication on multiple occasions and it didnt seem to phase him. I hope he will not have the opportunity to ruin anyone elses future endeavors every again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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 2021-02-10
Company: LEXISNEXIS
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The account associated with XXXX XXXX XXXX is in litigation and under the settlement, XXXX is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. XXXX will pay {$65.00} XXXX to the 34 participating states which includes Illinois for restitution for certain subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX. The account number XXXX is included in this current settlement which as a result is required to be removed from all three credit bureaus. 

For consumers with the lowest quality loans who defaulted as of XX/XX/XXXX and have not had their cars repossessed, XXXX is required to allow them to keep their car and waive any loan balance, up to a total value of {$45.00} XXXX in loan forgiveness. XXXX will also pay up to {$2.00} XXXX for the settlement XXXX who will administer restitution claims and pay an additional {$5.00} XXXX to the states. 

The settlement also includes significant consumer relief by way of loan forgiveness. In all, XXXX has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by XXXX, and additional deficiency waivers of loans that XXXX no longer owns but is required to attempt to buy back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently I received a copy of my credit report, upon reviewing my credit report I noticed XXXX XXXX XXXX XXXX had reported derogatory remarks to my credit report, XXXX hadn't sent any notice and failed to apprise me of, and afford me of my right to dispute and challenge such negative information being communicated to any third persons, per 15 USC 1681s 2 ( a ) ( 7 ). I had no knowledge of this account neither did I have an account with XXXX XXXX XXXX XXXX. 

On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX   XXXX a debt validation letter in accordance to Texas Finance Code 392.202 ( see attached validation request ). On XX/XX/2018 and again on XX/XX/2018 XXXX XXXX XXXX   XXXX sent me a computer generated printout as an alleged verification of the alleged debt XXXX XXXX XXXX XXXX   alleges I owe, ( see attached printout ). 

On XX/XX/2018 I again communicated with XXXX XXXX XXXX XXXX via Certified Mail, ( see attached letter ),  exercising my rights under 15 USC 1692g ( a ) ( 5 ) I requested the name and address of the original creditor, my request for the information of the original creditor is not time barred and XXXX XXXX XXXX XXXX willful noncompliance has hindered my rights to obtain information of this alleged debt.

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 2021-07-03
Company: LDF Holdings, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Loan at last started calling said I owe for a loan, I think they have mistaking me for some one else so I had asked if they can send me documents by mail to validate I owe. They said no they don't send validation by mail They said email only. I do not want to give my email to these people cause I'm not sure who they are yet. So I asked again. I said I need documentation to validate the dept mailed to me they said ya they will see what they can do. At this time I had asked if they could contact me by mail and not my phone. They call me over and over all-day. I want to file all documents and communications we have. But they keep calling me over and over everyday. They still have not sent me anything to validate. It's been 3 month they call daily. Today the guy got a attitude and would not let me talk. I said contact me by mail he said he will contact by what he has on file. I asked for a letter to validate he said no. He hung up on me and called me back. I answer but he hung up on me again. He kept calling and hanging up...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: CREDIT ACCEPTANCE CORPORATION
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:
Doesn't belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: CA
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:
Last XX/XX/XXXX, I sent this credit bureau a copy of my FTC ID THEFT REPORT, a copy of my police report and a letter requesting to removed accounts : XXXX XXXX XXXX ac # XXXX and XXXX account XXXX ac # XXXX ( high balance {$26000.00}, opened XX/XX/XXXX ). On the letter I sent to this credit bureau, I quoted the stipulations of FCRA 605B which states that " a reported fraudulent account, with required documentations MUST be removed within 4 business days upon receipt ''. Again the letter, FTC ID THEFT REPORT and POLICE REPORT was sent to them XX/XX/XXXX. Clearly, this credit bureau has violated and showed negligence and none compliance with the FCRA stipulations. I will see legal assistance if these accounts will continue to be 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 non-monetary relief