BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX   to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX XXXX is showing several late payments for my account at XXXX, TransUnion, XXXX  before selling the loan to a different lender.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: SC
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:
Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed three times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and just showed up in XX/XX/2022. They are incorrectly, and knowingly improperly reporting a collection on my credit report. 
I previously filed a CFPB complaint, that you closed, when Equifax only responded to the complaint that i filed a dispute. 
i am tired of filing disputes. this account is NOT MINE, has not been proven to be mine, and it is medical and under XXXXXXXX XXXX. it needs to be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi its being 45 days i am waiting for the mismatch information to be fixed in the social insurance number two names are showing and i have reported it to equifax but untill now, they didnot fix this issue. On XX/XX/XXXX, i lodged the complaint but didnot receive any confirmation email from them. Calling daily and asking about the update but they are saying just wait 24 hours to 48 hours from last 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: AMERICAN EXPRESS COMPANY
State: MI
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICAN EXPRESS has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Idaho Housing And Finance Association
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was transferred to HomeloanServ after my closing. I began making my payments in XXXX, but went on maternity leave in XXXX. I called the company in XXXX noting that I wouldn't able to make the full payment as I was on maternity leave and my income was reduced. I was told that there was nothing that can be done for me until I miss two full payments, which would ruin my credit. I was sent documentation to fill out and was told to wait until the end of XXXX to submit them. Two weeks after submitting my paperwork I was given a call and asked how much can I pay. we agreed on an amount and that was that. I never received a document stating what program I was on what the stipulations were, what would happen at the end of the program nothing. I called back in XXXX and spoke with a lady who told me some information but was very vague and told me I had to speak with my assigned case worker XXXX XXXX XXXX also inquired about the new program signed by Biden to into HUD to reduce lenders PMI, she had no knowledge but did look it up with me on the phone and said she would make a note of it as well. We ended the call with her noting she would let XXXX know to call me. I never received a call and called back and left a message. On XX/XX/XXXX I received and email from XXXX with a phone number to call. We had a conversation about the lack of information I was given during this process and how I was not informed of my other options. She agreed that I was placed on the wrong program, but assured me that the program I was placed on was the best one for me. I also inquired with her on the PMI reduction program signed by Biden and she had no knowledge of it and stated she would get back to me. I did not hear back from her at all. After speaking with a lawyer I was urged to give the company a call back and find out what program I was on as well as any documentation as to what happens when this program ends. I emailed XXXX on XX/XX/27 and requested documentation and she responded with a phone number to call. I called XXXX and asked for a the document attached which only states the agreement. I asked her what were my options once the program was over in which she was extremely vague. She stated there were multiple options but a resolution would be noted when we as the end of the program comes. I asked if I was not financially able to make the full payments at the end of the program what are my options. She noted that I would have to put my house up for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
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: Information belongs to someone else

Complaint:
Fraudulent inquiries, delete these inquiries they fraudulent and I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also have fraudulent accounts I want to dispute off my credit report, please dispute these accounts and do not add a fraud alert on my credit report. 


These credit cards are fraud, I want to dispute these as fraud XXXX    XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Unlimited Progress Corp
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They contacted me and identified the debt amounting to {$470.00} and I never received information to verify and validate the debt.

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 2020-07-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XXXX XX/XX/2020 i, i called hyunadi finance to make a extension for the car payment due to corona virus i had lost my job and they had a three month extension for us. but was charged XXXX dollars 2. then in XXXX we got a statement we were late three months on car payment : that was problem number one. 
3. i called again in may to talk to someone regarding this amount and they said they fixed the promo and i was okay to go. 
4. next i look up the account on line it was showing i was later again two payments so i paid XXXX on XX/XX/2020 % then on XX/XX/2020 i made another payment for XXXX XXXX this should have took up up to date on the XXXX payment but then again another problem with hyundai so now we are in XXXX its the XXXX today of XX/XX/2020 and we are now in a negative XXXX dollars so i am in so much of a panic i can not be without a car i just got a full time job back and i am doing ok i can afford my car payments please help me with this companies irresponsible actions. ^ where its the money i was charged in XX/XX/2020 for XXXX? this is robbery i need help. 
6. also in XXXX around the first week it showed i has a credit for ( XXXX ) for the petition extionsion for the corona virus relief. now today on XX/XX/2020 its show i have no credit it says i owe XXXX for four payments late. 
7. no the are yelling me saying me that my car is under repression and they are coming for the car this is abuse. i need help please they are demanding all this money and they were suppose to be helping me where is the money i have already paid for then to fix there mistake in XXXX now i owe again XXXX thank you god bless

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 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my bill payment with Capital One Bank did not go through when it was on auto pay. I reached out to the company and they said they saw the payment tried to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark in my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WA
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 went through a hardship after I graduated from college. I couldnt pass the XXXX to secure a job. My wife and I moved out of Alaska to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the Alaska Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I cancelled the credit card with capital one back on XX/XX/XXXX. They said I owed them XXXX  dollars. I said I send you money each month to be put on the credit card. I have notI have called them, emailed them with no reply to the problem. used the card after XXXX. I have contacted the XXXX, Connecticut attorney general and the Department of banking. they have not gotten any thing back from them. This is running my credit. Their address Capital One XXXX XXXX XXXX N.C XXXX On Card which I cut up my name printed XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: ALASKA COMMISSION ON POST SECONDARY EDUCATION
State: WA
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 went through a hardship after I XXXX   from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX  to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2016 the Alaska   Post-Secondary is showing several late payments for my account at XXXX, XXXX, XXXX  before selling the loan to a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Kriya Capital, LLC
State: CA
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:
I received a notification on my credit report about a collections account in XXXX of 2023, while the collection agency says the account is from XXXX 2023, but have received zero notification of the account or the ability to dispute. I have previously disputed this account on my credit report and successfully have had it deleted, only for another agency to come in and bring back the same account with zero notification. I have a current account with XXXX XXXX XXXX that is paid in full and on-time for years, have said multiple times I do not know where this account comes from, received zero notifications, and have successfully disputed this debt multiple times. At this point this is harassment by both the collections company and XXXX XXXX XXXX. I will at this point pending what happens hear cease my relationship with XXXX XXXX XXXX for my cellular service if this doesn't stop as I'm free and clear of any contract obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The medical bill was caused by a personal injure case due to a motor accident. The other party 's insurance admitted full liability and responsibility. In another word, the debt is under the other party 's insurance.

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 2020-09-12
Company: TRANSWORLD SYSTEMS INC
State: NM
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
[ XX/XX/20 ] [ Transworld Systems Inc ] [ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX ] Re : [ Account number XXXX ] Dear [ Debt collector name ], I am Submitting a complaint about Transworld contacting me about collecting a debt. contacted me by mail, on [ XX/XX/20 ] and identified the debt as my responsibility. I do not have any responsibility for the debt They're trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. I want them to Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If they stop my collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or  have already done so ), also report that the debt is disputed. 

Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Kriya Capital, LLC
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX ) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XX/XX/XXXX) has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
instructions. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF 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 2020-07-15
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Who is this Company to request all this information State Police, FBI, FTC etc. This is fraud Company. FTA sued this company about selling peoples information to private companies about peoples data in million .

Equifax Inc. has agreed to pay at least {$570.00} XXXX, and potentially up to {$700.00} XXXX, as part of a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau ( CFPB ), and 50 U.S. states and territories, which alleged that the credit reporting companys failure to take reasonable steps to secure its network led to a data breach in 2017 that affected approximately XXXX XXXX people. 

I think ( CFPB ) remember this or not they have this in there system or not this is fraud bureau who take peoples information themselves and placed freeze in there credit report and when peoples request them to take off freeze from there credit report this fraud credit bureau request peoples information same as like my, copy of my social security card, copy of my driver license, W2 form, and other information so they can sold these to private companies to make money. 

This fraud Equifax not like that peoples receive credit cards offers this Equifax can give free money to peoples but not helped them to receive offers from credit card companies to offers credit. 

So I request CFPB to reopen my case and canceled Equifax request and take off freeze or fradulent alert or something which fraud Equifax placed in my credit report so I receive credit card offers in mail. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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: Account status incorrect

Complaint:
I have been trying to do my absolute best to fix all the issues on my credit report and make sure everyone and everything is perfect. But of course when it comes down to the last one it's XXXX XXXX XXXX XXXX. A once amazing bank that has become known to not give a dang about anyone or anything. 

I had a car loan with this company for 5 years and had perfect payments of {$480.00} every month. But according to Affinity I was late 60 days, which I disputed and now I'm late 90 days. So now it's even worse. These late payments are from 6 years ago and of course Affinity decides to add some more on. There is no way this account was ever late this much due to my fault. Why would I neglect a $ 35ish payment for 90 days when I paid {$480.00} every month for 5 years during this same time!

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