BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Wrote to All 3 credit reporting agencies, nice letters that convey the lack of movement ( stagnation ) FICO score for over 20 years! XXXX is the worse by far. Their score was XXXX as of XX/XX/2022. A young man i know crashed his car With no insurance and his is XXXX in just a year, i have tried EVERYTHING, my payments are exceptional, a debt of {$2900.00}. Good Pension, XXXX income and i live rent free in the XXXX XXXX XXXX no bankruptcies ... All this is telling me is the industry itself is not doing their due diligence in following up on anything. They even stated my letter was illegible even though i printed it. XXXX  by the way is at XXXX ( checked yesterday ) so while I did argue with the customer service rep. today, XXXX wanted my birth certificate and other info. As a business the requests that when a SS number suffices on the internet, Why on Earth do you need a Birth Certificate to prove Who i am ... makes no sense. The Credit industry needs to be totally revamped as they caused me to Not getting a XXXX nor a Heloc loan just stupid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: CITIBANK, N.A.
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:
SOMEONE GOT A HOLD OF MY PERSONAL INFORMATION. AFTER PULLING MY CREDIT REPORT I NOTICED SEVRAL INQUIRIES OVER THE LAST YEAR THAT II DID NOT APPLY FOR OR AUTHORIES ANYONE ELSE TO APPLY FOR ANY CREDIT IN MY NAME. I HAVE FILED A POLICE REPORT WITH MY LOCAL AUTHORITIES AND HAVE SUBMITTED AN FTC AFFIDAVID IN REGARDS TO THIS MATTER. AND NOW I AM SUBMITTING A COMPLAINT WITH YOU TO HAVE THESE ITEMS REMOVED.

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 2018-05-03
Company: BlueChip Financial
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: I.C. System, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted I.C. Systems several times asking for debt validation and other remedies yet i've never received any response nor notification. I.C. Systems is in violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', as well as many other violation under the Fair Collections Practice Act.

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 2020-10-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was recently transferred from XXXX XXXX  to New Rez. I had late charges and was offered a settlement of late charges in the amount of XXXX. I paid this fee. They were supposed to send me an email confirmation and cancel the rest of the fees. That never came. I called and New Rez, or acutally I was speaking to someone from a company called Shellpoint, said they had received the payment, but had no record of the letter they sent. I was to then send the letter, which I can not currently locate. I do not think the burden of proof should be with me. I don't understand how they can not find the correspondence as it came directly from New Rez. I want them to forgive the rest of the charges and send me a copy of the correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
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: Their investigation did not fix an error on your report

Complaint:
OnXX/XX/2021, Isent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AMERICAN HONDA FINANCE CORP
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 information incorrect

Complaint:
Hello it still says I owe {$25.00} but that was paid in full AMERICAN HONDA FINANCE Last reported XX/XX/2021 {$25.00} Reported balance Highest balance {$13000.00} Nice! You've almost paid off 100 % of this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BANK OF AMERICA was first notified in XXXX that XXXX XXXX and others were repeatedly taking money from my account ( current total ~ {$100000.00} ) and did nothing to prevent it. She repeatedly used my money to pay the same household bills, but they didn't block those payments. 
I was repeatedly assured the account was frozen, and a few weeks later would find she was spending my money again. 
In XXXX, XXXX produced a report given to my social worker ( I am XXXX ) confirming that XXXX and friends were accessing my account, but still did nothing to stop the ongoing thefts. 
In XX/XX/XXXX, despite dozens of warnings that there is an identity thief, and their own report, they allowed her to change the address for ALL my accounts ( giving her the account numbers she didn't have ) and sent her new cards, cancelling mine. The employee who froze my accounts failed to give me the password so I can't access my own money, nor request new cards. 
The XXXX was paid in full in XXXX. Someone XXXX reversed that payment, and XXXX has stubbornly refused to use either the cash they have access to or the rewards points to pay off the card and has persisted in reporting it as months overdue, which has now resulted in all my credit cards no longer working. I am about to be homeless because of their screwup. I just want my money and credit rating back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 )  ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Experian after being notified by XXXX XXXX XXXX to delete the account, allowed reinsertion under XXXX name ( Same exact credit card account ), and did not notify me about the reinsertion within 5 business days, in a breach of the above FCRA section.

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 2019-08-22
Company: Firstsource Business Process Services, LLC
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: Reporting company used your report improperly

Complaint:
XXXX XXXX False Reporting. Debt has been charged off and agency is making derogatory remarks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please repair and update this account immediately.

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 2019-01-29
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have a prepaid card through my employer called XXXX XXXX XXXX XXXX. My card was hacked into. Im not certain, however it could have been hacked into on my companys secure site. I contacted the cards company using the number on the back of the card to investigate, cancel and reissue a card. I am now frozen out of the cards site to look at charges in order to dispute them. The customer service rep for the company said that he would send me copies of my statements. He did not. Nor was a card reissued. He sent me dispute paperwork from a company heading called XXXX with a P.O. Box, no physical address. No email. I have been trying to contact the company by phone and now I am put into a sinkhole hold position for hours. Never to speak to a human. My concern is this companies involvement in the hacking process, my personal security, as well as my companies security. I started investigating this company and found many many complaints of the same nature as my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2022-10-12
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: Their investigation did not fix an error on your report

Complaint:
I applied for a dispute of an inaccurate and and wholly false information on my account and TransUnion refused to remove it. They have shown no proof of why this account is true and accurate. I have never heard of their company that claims that owe money to XXXX. I have closed that account which was in good standing when I did.

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 2019-01-28
Company: Alliant Capital Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My husband got a voicemail on his cell while he was at work but it was addressed to me. This call was from XXXX XXXX from the pre legal division of Alliant or XXXX XXXX  saying he attempted to call me two weeks ago and since then has not had any record of me returning his call. He said please keep in mind this is a time sensitive potential claim and this call was a courtesy for my input to be considered before anything is processed. He said my claim number is XXXX and to call him back at ( XXXX ) XXXX. 

I've gotten scam calls like this in the past and even fell for one and paid them money only to find out later it was a scam. 

Now I am very cautious about these calls and want everything in writing via certified mail if it is in fact a legit claim they should be able to provide me with this so I can have it reviewed by a lawyer before agreeing to pay anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Experian Information Solutions Inc.
State: OK
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:
THIS COMPLAINT IS SIMPLY IN REGARDS TO A FAIR CREDIT REORTING ACT VIOLATON DUE TO CONTINUES REPORTING OF INACCURATE INFORMATION FROM EXPERIAN INVOLVING TWO DIFFERENT ACCOUNTS. THESE ACCOUNTS NEVER BELONGED TO ME IN THE FIRST PLACE BUT EXPERIAN HAS REFUSED TO HONOR ANY OF DISPUTES FROM THE PREVIOUS MONTHS. NOW AFTER CAREFUL RESEARCH I'VE NOTICE AN ACCOUNT LISTED UNDER XXXX has inaccurate or wrong payment history listed for the month of XX/XX/XXXX which has the account being 60 days late for two consecutive months being the months of XXXX and XXXX which we all know after we learned count at the ages of 4 and 5 that it is totally IMPOSSIBLE FOR 60 DAYS TO COME AFTER A 90 DAY PERIOD. THIS CLEARLY IS INACCURATE, A VIOLATION OF THE FCRA, AND IMMEDIATE GROUNDS FOR REMOVAL. I WILL  INCLUDE A COPY OF THE SCREEN SHOT WITH THIS COMPLAINT TO SUPPORT MY CLAIM. ALSO ANOTHER ACCOUNT BY THE NAME OF XXXX XXXX XXXX HAS AN OPEN DATE OF XX/XX/XXXX WHICH DOES NOT REFLECT THE ORIGINAL OPEN DATE OF THE ORIGINAL LOAN AND ALSO IS INACCURATE, ANOTHER VIOLATION OF THE FAIR CREDIT REPORTING ACT, AND GROUNDS FOR IMMEDIATE REMOVAL FROM MY CREDIT REPORT. I EXPECT EXPERIAN TO ADHERE TO THE FCRA AND TAKE THE APPROPIATE ACTION TO RESOLVE THIS MATTER. FALSELY ACCUSING ME OF USING ANY TYPE OF CREDIT REPAIR SERVICE IS NOT A RESOLUTION TO THIS ISSUE.

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 2023-07-08
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following inquiries are needing to be removed. I didnt initiate them. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2021-11-01
Company: EQUIFAX, 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 status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that isb still reporting on my account : XXXX-Date of XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is about an issue that I have addressed several times. I have been assigned case numbers repeatedly. To date, without success from CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: General Motors Financial Company, 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:
Acct # XXXX Our lease was up in XX/XX/XXXX. In beginning of XX/XX/XXXX GM Financial is stating account current and payments made in XX/XX/XXXX and XX/XX/XXXX then behind and trying to forward the account to XX/XX/XXXX. Also a payment in XX/XX/XXXX sometime. Then charging it off this past month. Date should be when account ended/last payment. Disputed it and nothings changed. I have proof of lease termination/turn in. They should have to show proof of payments in order to up the fall off date 4YRS. XXXX  should know better. 

Per XXXX own site- The original delinquency date is the date the account first became delinquent and was not brought current. This date is used to determinewhen the late payment information is deletedfrom your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly reported errors to Equifax on my credit report. I requested that they provide me with the source of the data so that I could dispute it with the provider. 

As an example of an obvious error, they are reporting an address that says it was reported over 100 years ago ( " XXXX XXXX  ). 

Instead of providing me with the source, they put my request in the " Consumer Statement '' field of my report.

Company response to consumer: Closed with explanation