BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
all FCRA violations I dont not have all this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, LA XXXX MULTIFAMILY Never lived

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
billing statement wasn't received or wasn't received in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.

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 2017-09-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was part of the EQUifax data breach. While trying to freeze my credit the phone call kept giving me marketing advertisements and asking me to select 0 or #, and then c=sometimes they throw in a *. All of these ads had nothing to do with anything related to equifax. They keep changing the ad and never stated if I had to keep answering to continue the call to get to a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

For EXPERIAN 1. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX  Account Number : XXXX Please investigate and delete from my credit report For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
2. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 
4. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete 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 2021-03-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am requesting a security freeze for my credit fie I recently lost my wallet and ID SS card. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I would also like a PIN number to protect all of the credit information. I need a new copy of my XXXX XXXX and Equifax credit report as well too!! I believe someone have already started applying for account in my name because I have received alerts for A XXXX Card, I don't have any credit cards. I have a fraudulent account from XXXX XXXX XXXX # XXXX, XXXX. SYSTEM, XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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: Account status incorrect

Complaint:
I had never been late on my credit report ever. XXXX, Equifax, and XXXX  is reporting late payments from XXXX Credit Card, XXXX XXXX Credit Card and XXXX Credit Card. Also Equifax, XXXX, and XXXX is reporting 2 closed accounts that listed as XXXX XXXX XXXX   Credit Card, and XXXX Credit Card.All these negative remarks are on my credit profile due to the outburst of Coronavirus. I really don't believe it's right for consumers like myself have to pay the price of having his credit destroyed due to natural disaster like Coronavirus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: RentDebt Automated Collections, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and there was a collection from a company called rent debt collections. For past due rent in the amount of XXXX. I called and asked where this was from they said from my old XXXX XXXX XXXX XXXX apartments. I was never notified of a debt until after it was on my credit report. My lease was up in XX/XX/2023 I reached out to the rental company several times about renewing my lease, and since I never got a response, I vacated the premises. I received an email in XXXX stating that my lease wasn't going to be renewed. I was being charged rent for an apartment I already vacated. Three was no rental office on the property anymore so there was no one to talk to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I confirmed with XXXX XXXX that the bank account that netcredit wired to fund to does not actually belong to me, though in my name with wrong personal info. Therefore I never initiated any valid borrowing activity with netcredit. The debt collection from netcredit is not valid. I am victim of credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have two inquiries on my credit report that I did not authorize. 
I filed a ftc complaint for fraud per the suggestion of the credit bureau. ( FTC Report number : XXXX ) I disputed the inquiries to Equifax along with the documentation I received results from the credit report both inquiries were removed in report file # XXXX. 

I sent another dispute to the credit bureau XX/XX/21 with the copy of the results the inquiries showed deleted. 

I received the results today XX/XX/21 the inquiries are factual. 

This is in violation of the credit report act- reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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 recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau.

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 2022-10-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-04-29
Company: Sunset Management, Inc
State: GA
Product: Checking or savings account
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I notice on my XXXX XXXX account in the previously 3 years there are 4 hard inquiries I did not do on my account I need them to be disputed off my account and investigated as soon as possible Im literally not able to have credit score and it has me stumble across buying things.

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 2020-09-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple credit inquiries on all three of my credit reports. I never applied at these companies. I have listed them below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-04-29
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2021 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, there were no persons signatures proving those documents are ( 100.00 % ) verified. Also they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2021 and their response were the exact same documents. At this point their being very negligent and have violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSWORLD SYSTEMS INC
State: AK
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently obtained a copy of my credit report and seen that the company XXXX XXXX is on my report and they keep changing my balance to make it look as if I have been making payments to them, and the truth is I have not because I was unaware that they were even on my report. So I have written the company 2 times and have not received a response from them with documentation about the information that they are reporting on my credit report. I have asked them to send me something about the information that they are reporting and something with my signature. The first letter that I sent our was on XXXX and I waited 30 days and did not receive any documentation from this company nor did they update my credit report as disbuted. So I sent them another letter on XXXX, and today is XXXX and I have still not received any information from this company, nor have they marked my credit report. However they have posted as if I have made a XXXX payment for the months of XXXX, XXXX and XXXX of XXXX, which in fact I have not made any payment to them because I am unaware as to what this account is and if it s truly even my account. They then tried to sue my brother in law because they attached him to this loan, but did not send me any notiication about the law suite . And this was after the statue of limitation had passed to be able to sue him or myself for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting a 2nd independent review for a loan modification. I would like to be considered for a loan modification that does not consist of a balloon payment which is not in my best interest. I have monthly income. XXXX and XXXX borrowers have disproportionately received and are offered high cost, high risk mortgages such as balloon payments. Even though I am an XXXX XXXX in a predominately XXXX XXXX neighborhood, I know there are better options. I have friends that are not minorities in a similar situation that I am in that were offered much better terms from SLS/XXXX XXXX XXXX. 
I have asked you to call me on several occasions, since XX/XX/XXXX in regards to this loan. No one can explain to me to the loan documents that were sent. All I know is that it is a balloon payment. Your customer service reps tell me to contact my attorney. I have attached the letter from my attorney and he cant figure it out either. He told me to contact you. I have called on 6 different occasions and was informed a rep would call me back. On XX/XX/XXXX I called and was informed that your rep called me on XX/XX/XXXX. They claim the phone went to voicemail and they did not leave a message. How convenient. I checked my call log and do not have a missed call from the number. 
I requested a loan modification on XX/XX/XXXX. I sent in all the documents on XX/XX/XXXX. My attorney received a letter dated XX/XX/XXXX with an approved modification for a balloon payment. It does not make sense and the numbers dont add up which is why I was requesting a call back. You did not consider my income or ability to pay when offering the worst loan possible. You made a decision before I sent in financial documents. That is a travesty and the exact same thing that happened during the mortgage crisis of XXXX-XXXX. I am asking you to consider ALL modification options. I have income and have the ability to pay. We are in a pandemic and I would like to be considered for all options to keep my home.

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 2017-08-05
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have two accounts reporting to my credit. XXXX XXXX is reporting to my Equifax and XXXX/XXXX is reporting to my XXXX. I have attempted numerous times to find out who they are and why they are reporting to my credit. I do not recognize them nor their original creditor. Neither initially had any of my information. Neither was able to pull me up by my address or my social. All they have done is sent me generic letters which are basically invoices claiming I owe them. I have requested numerous times going on six plus months now for an investigation from them and the bureaus and are met with a generic response and invoice saying I owe. I have requested proof and have been sent none even though they claim they have proof and were able to prove it. I have requested proof of the investigation and have received none. I have filed a complaint with the FTC for identity theft as their behavior and refusal to provide me with proof and/or evidence that these are my accounts leads me to believe my information is not secure and may have been compromised.I have filed a identity theft police report also. I have also filed numerous complaints with this forum and all the companies have to do is respond with their basic responses and the complaint is closed. This is still a open issue. I currently have an open investigation with XXXX that is scheduled to be completed XX/XX/2017 but fear they will do nothing more than respond with a generic response saying it is mine and not provide me with the proof or deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We have tried in vain for months to contact someone in person and by phone at Truist ( BB & T ) as well as the law firm they hired for collections regarding our account. We received a collections notice dated XX/XX/XXXX. After repeated attempts of not being able to speak with anyone or have a call returned, we are filing this complaint with the hopes of getting some answers regarding our home equity line. Weve been trying since XX/XX/XXXX to initiate a short sale process with XXXX  XXXX XXXX, who holds the first mortgage on our home. We put the home on the market for sale in XX/XX/XXXX but had no buyer interest due to deferred maintenance and possible structural damage to the house. Weve gone through months of paperwork and, in XX/XX/XXXX, XXXX  XXXX XXXX finally offered a loan modification and a lower monthly payment, which we could still not afford due to a job layoff in XX/XX/XXXX. Weve since had two contracts to purchase the home, both well under the listing price, but the buyers backed out because the process dragged on too long. We couldnt get any response from Truist ( BB & T ) regarding the release of the second lien and received conflicting information about whom was to make the request ( us/our agent or the bank ) related to the short sale. We now have a third contract and are working through the short sale process with XXXX  XXXX XXXX, although the loan was apparently service released to another mortgage company without us knowing ( we were told a letter was sent but we never received one ). We would like to ensure that Truist ( BB & T ) is part of the short sale process to see if we can get some of the debt repaid during the short sale settlement. We understand that the coronavirus pandemic has complicated matters but wed like to try to honor our commitment to pay back what we can. It's impossible to get hold of someone knowledgeable who can help answer our questions so please provide us with contact information and answers to our questions.

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