BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX - credit card opened XX/XX/2019 amount {XXXX XXXX this account is closed and is reporting inaccurate account number and inaccurate XXXX card limit when opened. I would like for this account to be removed from my credit report for inaccurate info and violation of consumer law 15 USC 1681i

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit 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 2022-12-18
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I checked my credit report today to find that my credit score recently dropped XXXX points because of a derogatory mark on my credit report from Equifax. 
First of all, I have a 100 % rating on making payments on a timely basis and I don't understand how any credit reporting company could suddenly drop a credit score XXXX points because of a negative mark of {$85.00} FROM 8 MONTHS AGO. That is excessive especially since other credit reporting companies never dropped that much. 
Second, I have no idea who XXXX XXXX XXXX is and the information they are providing is false. 
Third, I HAVE REPORTED THIS FALSE INFORMATION TO ALL 3 CREDIT REPORTING COMPANIES SEVERAL TIMES OVER THE YEARS AND IT HAS BEEN REPEATEDLY REMOVED BY ALL CREDIT REPORTING COMPANIES EXCEPT EQUIFAX AND XXXX but my credit score ahs n't been affected at all with XXXX. My efforts to dispute this negative mark with Equifax and XXXX has been futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-21
Company: Shellpoint Partners, LLC
State: AK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are recipients of a COVID19 forbearance and have been trying to reinstate our mortgage payments. Shellpoint mortgage assured us telephonically last week that we were eligible for a COVID19 loan modification and that the documents to sign would be sent to us within 10 business dates. After this phone call, a letter was dated and sent claiming that we owed the entirety of our forebearance payment in one lump sum of XXXX! This was a threatening letter dated XX/XX/XXXX and with a payment due date of XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
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: Account status incorrect

Complaint:
XXXX made a payment deferral contract with me, deferring my loan for three months with a normal payment made in XX/XX/2018.The contract attached is fully executed now that the XXXX payment has been made.Their contract does not spell out which 3 months are deferred ( legally voidable contract ) yet it is assumed to be the three months prior to XXXXYet when I call the company and dispute with the credit bureaus, the company will not relent from attributing a 60 day late in XXXX, one of the 3 months deferred. 
They don't seem to legally be operating regarding the definition of deferral and their own contract which is illegally nebulous regarding naming with specificity the three months deferred.XXXX has refused to re-investigate the matter because so many disputes have been made and the company will not honor their deferral contract, updating the credit bureaus without due regard for their contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My ex was removed by the police back in XX/XX/2017 and I am getting collection calls at all hours for his bad debt. Most recent calls are coming from Midland Credit Management, I also received a call for my daughter. This has to stop. I pay my bills and something needs to be done to put a stop to this. No I did not give anyone permission to use me as a reference as they state nor the right to use my number. My number is also on the do not call list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Experian Information Solutions 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-04
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Mr. Cooper a few months ago. They have since raised my escrow amount around {$450.00} a month. My taxes actually went down this year. They wrapped my flood insurance in, which I pay on my own directly to FEMA. That is on it's own only {$270.00} a month. I am wondering how a company can do this huge jump in escrow without a reason. They will not take out the flood insurance from the escrow. I am very frustrated and don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: CCF Intermediate Holdings LLC
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: Old information reappears or never goes away

Complaint:
I try to dispute this from all three credit bureaus its hard for me to buy a house and I am a XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MO
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
for a few months now I have been attempting to access my credit reports and dispute a false charge but I am not able to access my report to dispute items because XXXX and Equifax are denying me a dispute claiming I already disputed and no longer have rights to a dispute. XXXX never responded to my complain so I attempted a new one and now I am being denied. 

Also, Equifax is denying me a dispute and they sent me an error which I have attached. I can not be in collection because I do not owe XXXX anything, the account holders at XXXX XXXX are harassing me and are abusive in their calls and communication and I have let the bureaus know this and they dont seem to care. I asked the bureaus to delete this and stop tarnishing my credit report and they dont respond and are shutting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

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 2020-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX  XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are  posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all  credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Innovis
State: VA
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:
Hello : On XX/X/2017, I disputed INCORRECT ( address ) information on my INNOVIS credit report. I specifically, I provided tangible and legal documents with detailed information and proof ( both personal information & information as PROVIDED and REPORTED by the creditor ). I specifically, addressed/highlighted the incorrect information which had to be correct. My residence is a single family HOME and they report an apartment, which is completely inaccurate and non existent. On XXXX/XXXX/XXXX, I received information that the dispute was completed ; however, the address is still appears incorrect. I am aware under Federal guidelines that ( 1 ) either the information is corrected and/or ( 2 ) info be deleted in unverifiable. I am seeking source information, as still the info is not valid, accurate, or even verifiable ... because it does n't exist. Clearly, their is a disconnect with the Innovis as the repository was not only provided the correct, legal proof, regarding my inquiry ; but, also was provided the exact proof as indicated, provided and reported by/from the creditor. Your assistance is greatly appreciated to rectify the issue ASAP, as it is incorrect and further damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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: Was not notified of investigation status or results

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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  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 2020-09-17
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a veteran who has a current VA loan with Freedom Mortgage XXXX this company bought my loan from J G Wentworth ). I have never had a late payment with Freedom Mortgage.I began receiving solicitation from Freedom to take advantage of the IRRRL ( interest rate reduction refinance loan ). In late XXXX I called and XXXX took my application. Email correspondence began in XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX ) XXXX.I have sent emails to him beginning XXXX XXXX and 6 other emails to XXXX XXXX with the last one XX/XX/2020. In addition, I have record of 5 voicemails. XXXX XXXX is very slow to return calls and emails. Whenever I have been asked for a document I have responded within 24 hours. The exception is a letter from me granting permission for the lender of my HELOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) to request a credit report. I have explained that AFCU does not require a credit report. I have explained this via email at least 5 times. I believe Freedom is speaking with the wrong XXXX XXXX. I'm told my loan now at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. She has twice asked me for the same letter in her emails.I have explained the above to her.

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 2021-11-03
Company: Kriya Capital, LLC
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:
Dear Sir/Madam : PLEASE ADD MY PHONE # Telephone : ( XXXX ) XXXX Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! 

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX 10. The following personal information is incorrect Account Number : Employers : XXXX 11. CREDENCE RESOURCE MANA Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I was a customer of Simple. On Saturday, XX/XX/XXXX, Compass BBVA shut down Simple, claiming that all Simple customers would be moved over to the Compass online system. 

The transfer failed catastrophically. I am unable to access my accounts. At this time, on Sunday, XX/XX/XXXX, customer service representatives assigned to this case are hanging up on me moments after introducing themselves. I am unable to access any online banking accounts to move money around or check my balances, and BBVA is refusing to provide support.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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