BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14, 15, 16, 17 and 18 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please ELIMINATE the account completely from my Credit Report : 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 non-monetary relief
Consumer complaint received 2021-10-18
Company: ONLINE Information Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a notice from Online Information Services XXXX Inc. regrading an attempt to collect a debt in the amount of {$150.00}. I have never lived at the address of record that the electric service was billed for in XX/XX/2020. I contacted OIS and they instructed me to file a complaint here, file a police report, and then send an email to reliant with a fraud affidavit and police report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Amscot Corporation
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repeatedly contacted me and my employer about a debt that I incurred due to the hurricane cutting off my earning potential.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, 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:
Equifax is improperly reporting the " Date Opened '' on my Consumer Report for account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2021 Chase bank decreased My credit limit on my XXXX  chase credit card from {$3500.00} to {$1400.00} right after I paid my balance in full. I not only use that card and always pay it on time but it also hurt my credit due to the decrease limit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Ability Recovery Services, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Ability Recovery Service at XXXX XXXX XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$2800.00}. This collection has been reported as a pass due balance. I do NOT know this company. I have never done business with this company. This company does NOT have a contract with my signature.

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 2021-10-18
Company: Garcadia Financial LLC
State: FL
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/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: ALLY FINANCIAL INC.
State: FL
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/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.

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 2021-10-18
Company: Collection Bureau of Fort Walton Beach, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
An unknown collection was added to my XXXX  credit report. I called the debt holder " collection bureau of Fort Walton beach '' and requested verification of the debt. I was told that information would be shared with me. After several weeks of no response, I reached out again. I was told that the information would be shared with me. Again several weeks of waiting with no response. After a third attempt and threatening a law suit, a simple word document was sent to me with hardly any information on it. Simply my name, my birth date and a cost. Even with such little information provided, there were inaccuracies. Specifically my birthday. This is clearly not my debt and has been disputed with XXXX.

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

Complaint:
I SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A XXXX LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
. I am a victim of identity theft the information which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. TransUnion deleted the account and then placed it back on ). TransUnion has failed to remove block and deleted information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the 605b, 609, 611 ( a ) ( 5 ) ( B ) and are outright refusing to uphold the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made additional principal payments with my previous loan servicing company - XXXX XXXX XXXX. Those payments were made on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they total {$11000.00}. On XXXX/XXXX/XXXX my loan was transferred to another service bank - Flagstar Bank. Flagstar Bank has the wrong principal balance. They do not have the {$11000.00} of payments on the account. I talked to their customer service a few times and every time they tell me to contact my previous loan service company and ask XXXX to send Flagstar the missing payments. I talked to XXXX XXXX XXXX a few times already and they keep telling me they have send the {$11000.00} to Flagstar. I told this Flagstar and I asked them to take the necessary steps and obtain the missing information and payments. I asked Flagstar to contact XXXX  and work with them but they would n't do that. They are not taking any additional steps to resolve this issue. I have also send Flagstar the following ledger and amortization schedule that I obtained from XXXX as a proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2022, i called PHH MORTGAGE CORPORATION to request verification of the alleged debt as no contract between the parties nor was any money including but not limited to, Commercial Bank Money was ever issued to any party and PHH MORTGAGE CORPORATION is refusing to present the original note with valid signatures, an audit trail of all accounting including but not limited to the origination of alleged money and how it was transferred and its trail nor is PHH MORTGAGE CORPORATION and its representatives willing to verify via affidavit of their claim by man or woman ; yet, have unlawfully presented forged documents in order to unlawfully collect on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax is in violation of the Fair Credit Reporting Act and they are damaging me daily. I have requested that Equifax ensure maximum possible accuracy of the information they compile in my consumer file and report about me in consumer reports. I have been disputing the same information that is not 100 % accurate since XX/XX/XXXX. When Equifax refused to delete the incorrect and incomplete information in my consumer file, I sent follow up dispute letters demanding deletion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Because Equifax refused to delete information that I provided proof of inaccuracy, I sent evidence from the California XXXX of XXXX showing that companies did not exist in my state. I also requested a 609 full disclosure on my entire consumer file in writing since it appears that Equifax has information that I am not privy to that refutes my disputes. Equifax can not possibly validate and verify any information they are refusing to delete being that the alleged creditors do not exist. I have no recourse against any of the listed creditors as they do not have registered agents for me to serve legal process in California. Is Equifax conspiring against me with entities that are elusive to me? It appears that Equifax has some vested interest in continuing to damage me. 

Equifax has refused to send me the 609 full disclosure of my entire consumer file in writing within 15 days. I sent it to Equifax 's registered agent in California, so they can not say that they did not receive it. 

I demand deletion of the information listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: South Carolina Student Loan Corp
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: Account status incorrect

Complaint:
I have reached out to the company to get them to remove the incorrect late payments on my credit report and the company has failed to correct these errors. They are preventing me from securing a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I received a statement with a total balance due of {$3000.00}. This entire balance was on a 0 % interest promotional rate that was due to expire on XX/XX/XXXX. I paid the entire {$3000.00} balance due from the statement off on XX/XX/XXXX, but was charged interest on my XX/XX/XXXX statement. When I called customer service to dispute the interest charge, I was informed that I was charged interest on new purchases that had not been billed on a statement yet. I was told that if there are no promotional rates on the card then interest is not charged on new purchases until after they are billed on a statement, but when there is a promotional rate that new purchases are charged interest before they are ever billed on a statement. Being charged interest on new purchases that have never been billed is like being charged a no-show fee for a doctor 's appointment scheduled for next week.

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 monetary relief
Consumer complaint received 2022-03-08
Company: Linebarger Goggan Blair & Sampson LLP
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Day, I am filing this complaint in concern with this law firm tactics to defraud consumers. In XXXX i received a ticket from XXXX due to red light camera ticket. The camera was on the light poll by the signal lights, so even when your car is turning on yellow which is yielding and we stuck in the middle and the light turn red. the camera still ticketed us. The city of XXXX had a class action lawsuit and sent us a check. I agreed to the class action lawsuit by cashing the check. To get involved the class action lawsuit lawyer sent us an agreement of all the red light camera tickets that were faulty and i signed it and turned it back in. In XXXX i received the settlement check and cashed it. My concern is this law firm represent the same red light tickets from XXXX contacting me to pay the tickets that i had got the class action check for, and on top of it after 7 years the debt is supposed to drop from my credit without any further communication about the matter. 

My question is how many people is this law firm trying to get money from us on fake tickets from XXXX faulty red light cameras from back in XXXX that were paid by XXXX from a settlement? Since then XXXX do not even us red light cameras any more. The lights are placed 15 feet behind the signal light poll to fix the matter. This is fraud. I can not pay you sir if i accepted the class action check and cashed it by agreeing these tickets were faulty. It's illegal to even talk to you after i agreed to a settlement. Stop harassing us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: DE
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/22 I sent in a request for the Credit reporting agency to delete the inaccurate information on my consumer report. It's now 37 days and I haven't received any responses from them. This is affecting my ability to get a job and an apartment to support my family

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I will insert that I have sent to Company.
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Regarding Account # XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My purpose for writing this letter today is twofold ; one is to thank Exeter Finance for the excellent service you have provided me over the last few years and the second is a humble request to have my account information amended with regards to a late payments occurring in XX/XX/XXXX.
I bought my XXXX XXXX XXXX in XX/XX/XXXX, and couldnt be happier with my decision. Was it not for me having a XXXX in XX/XX/XXXX, it has left me XXXX and caused my employer to retire me from my position at the age of XXXX. It has taking me a whole year to become successful against the Social Security Administration and they have approved my claim. Id have a spotless payment history. I understand my obligations with Exeter and I have worked diligently to amend my relationship with you since that time. I have setup with my banking institution to autopay this account.
Since then I believe I have learned the essential organizational and financial management principles I desperately needed. Thankfully, responsible credit management is now reflected in my credit records which, excluding the Exeter 30-day late payments, are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless into the future.
Recently, I have begun my quest for a mortgage, and it has come to my attention that my tradeline with Exeter may affect my chances of obtaining the very lowest interest rates now available. Since the late payment ( s ) of record do not reflect my current status with Exeter, I am requesting that you give me a second chance at a positive credit rating by revising the late payment ( s ). I sincerely hope Exeter Finance believes in their customers, and I humbly request your consideration. I appreciate your time and look forward to receiving a favorable decision from you department soon.
Regards, XXXX XXXX XXXX  Please read about my condition. My quality of life has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
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: Investigation took more than 30 days

Complaint:
This company has not responded to me about fraudulent accounts I have disputed and it has been well over 30 days

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