BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the student loan accounts XXXX/XXXX  XXXX, XXXX  XXXX, XXXX  XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please REMOVE any and all fruad alerts and freezes on my credit file

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 2021-02-03
Company: Resurgent Capital Services L.P.
State: GA
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:
the collection agency is reporting to the 3 major credit bureaus inaccurate information and has been since XX/XX/XXXX until current. i have contacted the credit bureaus and collection agency and the refuse to investigate and verify this account. the contract does not bear my signature, and contains the following inaccuracies : monthly payment, date opened on contract was XX/XX/XXXX, account is closed with a past due balance of XXXX. the date last reported was XX/XX/XXXX but reporting a different date with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Investigation took more than 30 days

Complaint:
My Equifax credit report has not updated since XX/XX/XXXX, and is currently showing empty. I am XXXX years old with credit dating back to age XXXX. I've reported this to them on 4 separate occasions and was told it was being " escalated. '' The escalation ( Case No. XXXX ) finally happened and was documented on XX/XX/XXXX. 

As of today, XX/XX/XXXX, there has been no resolution or movement on this issue. I was told there are no additional persons to consult other than the first line support. When I insisted on speaking to a supervisor I was on hold for over 2 hours until the call was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Avant Credit Corporation
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:
Hello, I have an account with AvantXXXX XXXX and I was recently a victim of fraud I was pronounced Deceased on XX/XX/2020 and someone wanted to file a death claim under my name ... That has since been corrected but however Avant the credit card company Closed my Account and Charged it Off, I have called them several times to tell them to please reopen my account that this was NOT my fault and it's ruining my credit which I try so hard to keep in good standings. On XXXX Credit bureau it shows up as a Charge Off and that is bad for my credit ... And Avant won't work with me to take it off ... Every time I call them they tell me they will send me and email or call me about this and they don't I have been trying to fix this issue with them since XXXX and still nothing.. Please help me resolve this issue before it ruins my credit, Thanks so very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Scott Fetzer Financial Group Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX 401 ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to XXXX XXXX XXXX ... I contacted XXXX XXXX XXXX and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Choice Recovery, Inc.
State: OH
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:
On XX/XX/2014, CHOICE RECOVERY add a derogatory mark on my credit reports. CHOICE RECOVERY did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
I have a Fed Student loan that is serviced by Nelnet I was a good payor and then due to employment reasons went into forbearance for 3 months - I waited too long to contact Nelnet to extend the forbearance and they reported I was late with payment. Because I did not consolidate the student loans there were 8 separate loans all listed as late. Because of this my credit score plummeted and now I am unable to get an apartment car lease or anything else. Help. Why should my life be ruined because of one late payment. Thats all it was was one late payment that has even affected my employment. Please help me as I am hopeless at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: OH
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:
There is inaccurate things on my credit report that I have sent to Experian plenty of times. I have also told them they are violating 's the FCRA guidelines and rules but clearly they don't care. Again they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and reinvestigation, they stated in writing that they verified that these items are being reported correctly but again who verified these accounts? You have NOT provided me a copy of ANY original documentation aka my signature on the contract as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Lastly, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) .I 'm sure they know that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be 100 % verified. They say they don't have my ID and SSN to prove its me sending these letters and complaints in but they do! I am resubmitting my ID and SSN and proof of address with this complaint. Again why aren't they following the rules because I didn't make them I am only following them!!!

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 2018-03-02
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: Account status incorrect

Complaint:
I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.

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 2022-07-06
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I woke up this morning to 4 new inquires on my credit report that I do not recognize all being on the date of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES I am not sure if any amounts for I received notifications of new inquires

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed these inquiries as fraudulent and Exquifax refuses to remove them XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  ( Orig Cred : XXXX XXXX XXXX XXXX ) - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably onXX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years banking with Citibank. They said they did not transfer money in increments but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.

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 2020-02-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian allowed XXXX to illegally obtain a hard pull on my credit profile without my consent or permission.This unauthorized inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-11-16
Company: EQUIFAX, INC.
State: OH
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 submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I have tried to make a mortgage payment through the internet with the company MyLoancare.com webpage since yesterday and apparently the web page has vanished. So i tried to call their customer phone line XXXX and a recording says that loan care systems is currently down and their agents don't have access to the system. Thank you for any help you could offer and hoping everything will go back to normal again. So i could continue to pay my mortgage. And Please Investigate since their is no communication with this company.

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 2015-06-11
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing , LLC misappropriated my payment from Monthly Bi-Weekly Administration which was recorded on my credit score with XXXX as delinquent. I have called them numerous times to remedy this with no luck. I have a letter from them stateing that it was all taken care of but it still appeared on my credit score. They have even sent me a Notice of Assignment, Sale or Transfer of my mortgage Loan. They admitted that they were at fault but it still is n't fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
i have made several attempts to resolve incorrect items being reported to Transunion. I have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. I asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1. DPT EDXXXX XXXX 2. XXXX- XXXX 3XXXX XXXX XXXX 4 . XXXX XXXX XXXX XXXX 5. XXXX  XXXX- XXXX 6. XXXX XXXX XXXX 7. 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 2018-03-02
Company: EQUIFAX, INC.
State: MA
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:
The companies response to my previous complaint is completely innacurate. And very irrelevant. They state my extension is for the month of XX/XX/XXXX. Yet I have a signed agreement with them for the month of XXXX. 

also they state that I never provided proof that my vehicle failed inspection. That is innacurate. My vehicle passed inspection from XXXX XXXX as stated in their reply. But it is believed that someone in the shop was paid off to put a sticker on this truck. On the next business day proceeding the passing inspection. I brought it to be re inspected and it failed both safty and emissions AGAIN for the SAME ORIGINAL ISSUES also in their report they mentioned my vehicle doesnt qualify under the lemon law. I NEVER SAID IT DID.

MY VEHICLE DOES NOT QUALIFY UNDER THE LEMON LAW BUT IT DOES QUALIFY UNDER THE LEMON AID LAW MGL CHAPTER 90 section 7n. 

I CAN PROVIDE A COPY OF THE EXTENSION CONTRACT. 

ALSO. MY PAYMENTS WERE NOT LATE IN XX/XX/XXXXAND XX/XX/XXXX. I HAVE PROOF OF PAYMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
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:
Hello my name is XXXX XXXX, I have looked into my credit report and I have some concerning issues considering the information being reported in my credit report. I have looked into the Fair Credit Reporting Act and I have to question some of what it is I am seeing being reported in my name. How can child support be reporting on a credit report when its considered to be a Judgement from the courts.

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 2020-11-16
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 the debt collection agency contacted a third party in an effort to collect a debt. I have never provided this persons name or contact information either in relation to the original creditor or this collection agency. They asked her to have me contact them at XXXX. Their attempt to embarrass me into contacting them violates my right to privacy regarding this matter and my right to not communicate by phone with them. 
Additionally, they have regularly changed the amount owed when reporting the debt to credit bureaus, intentionally changing the amount up and down by {$1.00} to change the date of last activity.

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