BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, Equifax to reinvestigate these accounts accounts : XXXXXXXX XXXX {$150.00} since XXXX. XXXX XXXX  {$80.00} since XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isnt reporting correctly.

15 U.S.C 1681 Section 602 A. States : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section ( 2 ) : It also states : a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other then records of convictions of crimes which antedates the report by more then seven years.

Also they arent in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I can not have this information in my report, it is negative information, I do not want it under my name anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Ditech Financial 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: Account status incorrect

Complaint:
I regret to say I have not enjoyed being a customer of Ditech. They keep reporting me 30 days late. Im not the only one on this mortgage. My credit is reporting being 30 days late twice. Instead of the company updating the month of XXXX, they placed not reporting. I am taking care of XXXX children all by myself and worked hard to move into a house but not like this. I keep getting letters on the door and two days ago I received a face to face letter. Why does this company keep harassing? Please assist me. I have a baby in a oxygen tank and dealing with so much stress and getting harassed about a mortgage payment is something Im not prepared to deal with. They provided insurance and charged me over 1,200 last month. Is that money going to be credited back to my XXXX mortgage?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this items to be INSPECTED and BLOCKED. 
XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXXDate Opened : XX/XX/2010 Balance : {$0.00}.

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 2020-03-08
Company: Flagstar Bank, N.A.
State: MI
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 sent numerous letters to Flagstar Bank and the credit bureaus XXXX, XXXX  and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.

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 2017-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit Bureaus have the wrong Information on file there was no Charge off nor did the account run late as stated by credit bureaus. XXXX XXXX did not close the account out right nor did they fix there errors. 

there was no charge off or a balance owed. 

I have provided a letter showing there is no balance nor a charge off. 

there is information showing after the account closed out in good standing showing as open and it was reporting to the credit Bureaus after the account was closed out as late. 
There is a lot of wrong information on this account. No balance never was no charge off nor money owed after it closed out. 

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 2023-11-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the XXXX reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called Equifax to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX  are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was included in the covid forbearance for hardship in XXXX and in XXXX I was ready to resume payments. Upon trying to get the loan modification done. It has been nothing but constant runaround and dead ends. I worked with XXXX XXXX who had my original loan. I waited four months while calling the company every few weeks to just get the same answer of, the paperwork did not go out and they had to escalate it which will take another four weeks. Upon calling back to the company I get the same response that it needs to be escalated and another four weeks. Then XXXX transferred my loan to XXXX XXXX and XXXX XXXX is giving me the runaround because they cant get the paperwork from XXXX This has dragged on for over a year now and Im still not able to make payments because they are saying I owe {$50000.00}, even though my loan modification was approved months ago but I never got the paperwork to sign and send it back to them. The account is currently sent over to foreclosure and I feel like Im getting screwed over because Im ready and willing to make the payments, but Ive been waiting on the company to modify the loan for over a year and now theyre trying to foreclose on the property. I reached out to the VA and they cant assist or help me so Im at a dead end for assistance and its causing stress and possibly me losing my home even though Im willing and ready to resume payments for the last 10 months I have no more avenues left.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
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:
On XX/XX/XXXX, i filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on My report. Specifically the two bankruptcies XXXX & XXXX. The Agency - Equifax then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I  proceeded to ask for a Re- investigation on XX/XX/ and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/ at XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/ at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Equifax. Their own two agents XXXX XXXX on XX/XX/ at XXXX and Previously XXXX XX/XX/2018 at ; XXXX could not provide information on the steps and method of verification the company used to verify the information. 
The only clear thing is that the Equifax is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: United Check Recovery Bureau, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already paid off the debt for XXXX XXXX XXXX ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as United Check Recovery Bureau ( reference number XXXX ). I have realized that I have been paying UCRB for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid United Check Recovery Bureau {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and UCRB via their online portals regarding validation of the debt and have not received a response from either of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX, XXXX has called repeatedly and sent a written letter claiming to collect a debt that I do not owe. I made contact to the Original Creditor and they confirmed it is a scam as they have no record of account reported by this debt collection 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 2022-11-09
Company: Self Financial 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 am reporting these accounts that should have been closed and still on my credit report reporting inaccurate information I am tired of my report looking bad due to fraudulent activity. Someone had my information and got a loan that still remains on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions or responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2022-03-16
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/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 XXXX  data breach and may have gotten into 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 2023-12-05
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I initialized home insurance with XXXX but did not finalize. I decided to stay with my current insurance agency

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Failed to remove the information.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2020 I called all three Credit bureaus. I notify them that that was information my credit report regarding medical bills that were not mine. I spoke to the fraud department of all three girls and they advised me to call the creditor because they were not going to remove it without consent from the creditor.

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 2018-08-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was issued a Credit card by Steinmart with a limit of {$750.00} they upped it to {$1700.00} we paid {$250.00} on the balance which was above the minimum on a balance of {$650.00} and again paid another {$100.00} to bring balance down. Then the next we got a letter reducing credit limit to {$670.00} from {$1700.00} making my usage go fro 30 % to 98 % and reported that to XXXX XXXX which dropped my credit score from XXXX to XXXX because I paid too much of my balance. This is a crime! If I cancel the card it will further impact my score. I DID NOTHING WRONG! This a a bank that need to have a class action law suite brought against them for fraud!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: CORELOGIC 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: Personal information incorrect

Complaint:
I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX. XXXX my SS is XXXX, my DOB is XXXX the following addresses are not accurate please remove/delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX credit card. They said I would get to board the plane first if I bought the credit card that cost ( {$100.00} ) per year so long as I use the card to buy the plane tickets. I did what they said but when it came time to board I was put in group 7. Well after several other groups boarded. When I complained to XXXX XXXX they told me it was the credit card 's problem. So I called the credit card and they told me it was the airline 's problem. After that went on for three or four times ( on the phone with the airline and then the credit card ), I simply gave up.

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