BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-24
Company: EQUIFAX, INC.
State: MA
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:
XXXX   XXXX  equifax mortgage services i have called varies times since  2015  i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or apply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Spring Oaks Capital, LLC
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 status incorrect

Complaint:
I tried to dispute the account several times though the credit bureaus and never got anywhere. The account has been paid and it still shows open. It is affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: North American Credit Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted North American Credit Services on XX/XX/XXXX to pay a debt that was showing on my credit report in the amount of {$240.00}. I paid it in full to have deleted off of my credit report. They then asked if I was going to take care of a {$1000.00} debt from hospitals / doctors back in XX/XX/XXXX. This was NOT on my credit report at the time. This is XX/XX/XXXX. I asked them to hold off until I do some research on the bills because I don't recall them from over 3 years ago. 
Then a few days later my credit score was hit and dropped XXXX points because they put it on my credit reports. They did NOT allow me to verify the debts that I thought were paid in full. They reported it on my report when I asked them to give me time to research. Now my scores went down XXXX points and its hard for me to come up with the debt. I am still unable to verify. I asked that they send me all documentations that the debt was mine so I could compare to any bills that I also had. I keep all my documents. She got smart with me and said that would take some time. I told her to send them. 
I still haven't received them and in the mean time its still showing on my credit reports and still badly affecting my scores. 
Can you please assist me with having them take this debt off of my 3 major reports until I get all documentation from them and do my research to make sure my insurance company or they did not drop the ball. It is totally unfair especially since it was ME reaching out to them to pay off a debt I noticed on my credit report when I started to used XXXX XXXX.. I paid that one off because I had the bill to verify and thought I was doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting balances on my accounts that are not accurate.    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  - No Balance Citicards - No Balance  XXXX  - No Balance  XXXX    XXXX   - No Balance  XXXX  Derogatory Public Record

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 2017-06-24
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: Personal information incorrect

Complaint:
Current phone number as my contact is incorrect please update to correct phone number ( XXXX ) XXXX. Also a lien from XXXX pronth in my credit reports is not correct. I did call XXXX court and sent them proof of documentation years ago and they were supposed to remove it but it never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the accuracy of my credit report, which includes several negative items that I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I have listed the accounts in question below along with their account numbers : XXXX XXXX XXXX Account Number XXXXXXXX XXXX  : Account Number XXXXXXXX XXXX XXXX  : Account Number XXXX XXXX XXXX XXXX  : Account Number XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX. : Account Number XXXXXXXX XXXX XXXX XXXX XXXX : Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX I request that you investigate these items and remove any inaccurate or outdated information from my credit report in accordance with the FCRA. Specifically, I dispute the payment status, balance, comments, payment history, and account numbers associated with these accounts, as I believe they may be incorrect.

Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to conduct a reasonable investigation into the accuracy of the information contained in my credit report. Therefore, I request that you verify the payment status, balance, comments, payment history, and account number associated with each of these accounts. If any of this information is found to be inaccurate, incomplete, or unverifiable, I request that you promptly delete or correct the information.

In addition, under Section 611 ( a ) ( 2 ) ( A ) of the FCRA, you are required to notify me of the results of your investigation within 30 days of receiving my dispute. Please send me a written response outlining the results of your investigation and any actions you have taken to correct or delete the inaccurate information from my credit report. 

I understand that the accuracy of my credit report is important for my financial health, and I urge you to comply with the requirements of the FCRA. Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2022-08-31
Company: Resurgent Capital Services L.P.
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 status incorrect

Complaint:
I tried to dispute the account several times though the credit bureaus and never got anywhere. The account has been paid and it still shows open. It is affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, 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 status incorrect

Complaint:
I tried to dispute the account several times though the credit bureaus and never got anywhere. The account has been paid and it still shows open. It is affecting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
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 that I did not authorize. I have contacted  XXXX , Experian, and   XXXX    to dispute and delete them. I have received communication that they are unable to delete and that I would have to contact the creditors. A security fraud alert was placed on file by the credit reporting agencies after their investigation was completed. The inquiries still remain and has damaged my credit rating

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2019-11-27
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// AMERICOLLECT IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
On X/XX/2017 & X/XX/2017 despite having broken so many consumer protection and billing laws and multiple violations of Regulation Z, USAA has reported High Bankcard Utilization, multiple times on accounts they themselves already closed without any warning or just cause while refusing to provide any documentation. <P/>Additionally, XXXX of my cards should have had a zero balance, the third only had a high balance due to a disputed billing error USAA violated the allowed timeline and charged me for a year after the initial investigation was found in my favor and credits were permanently issued. <P/>Thus they are improperly reporting USAA SAVINGS BANK - High Bankcard Utilization multiple times on lowering my credit score. Additionally, they reported Credit Line Closed by Credit Grantor on  X/XX/2017 as well on an account which is in dispute and which was closed in violation of many sections of Regulation Z.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2017-06-24
Company: EQUIFAX, INC.
State: CT
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:
Equafax add inquiries to my credit report which cause long turn financial pause.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT have a signed contract with Portfolio Recovery Associates. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake Financial Services, XXXX, CA took my XX/XX/XXXX car loan payment and applied it to another consumers account. The money was deducted from my bank account so I did not realize it had not been deducted from my principal loan balance ; until it happened again in XX/XX/XXXX. I activated my online account and researched all payments against loan payments and found the 2 Missing payment. I contacted WFS and after proving with bank tracking numbers they correctly applied my payment to my account. I pay approx {$6.00} per day in interest. I asked them to put back 1 years worth of interest as the payment was missing for that long, as well as late fees, as they payment was not late, but for a year it my account was obviously not current and always 30 days behind. WFS opened a complaint in my name and told me for nearly 2 months the accounting department was trying to calculate the correct interest amount and apply it back to my loan. They would never let me speak to anyone in the accounting department. I reached out to WFS on XXXX, XXXX, email, and phone, and get the same answer. We are looking into it and please wait for the accounting department to investigate. I then contacted the XXXX XXXX XXXX, and WFS said I needed to wait for a letter they sent me. I never received the letter, or an email, or a phone call. XXXX sent them a follow up and they replied that I needed to give usps time to deliver their letter. 3 weeks and it never arrived, is plenty of time. I think they were playing the waiting gameas they knew XXXX would close the complaint. Which they did today, and advised me to file a complaint with you. I would like the interest accrued daily for 1 year plus late fees to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24
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: Old information reappears or never goes away

Complaint:
I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: CITIBANK, N.A.
State: VA
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:
in accordance with fair credit reporting act the XXXX XXXX # XXXX has violated my rights. 

15 usc 1681 section 602 states i have right to privacy.

15 usc1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account underan open end consumer credit plan as late for any purpose

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 2020-08-03
Company: SUNRISE CREDIT SERVICES, INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw a NEW collection account to a company I do not owe in regards to an XXXX XXXX XXXX account I no longer own as i returned their devise. I filed a dispute with the XXXX and the company ( Sunrise Credit Services ) has continually " flagged '' my account as collections numerous times causing my score to drop by continuously drop they filed on XX/XX/2020 the next day my score decreased by 19pts they flagged it again on XX/XX/2020 and my score decreased now by 10pts. 

Right now i am in the middle of credit repair to purchase a home and the constant unnecessary reporting is retaliation for my dispute while also damaging my credit in a an attempt to prevent me from obtaining credit.

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 2018-04-15
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was " sold '' to loancare by another company. Based on getting paid monthly, we always paid our mortgage on the XXXX before late fees accrued and paid online. After the mortgage was changed to loancare, we have had to pay " late fees '' based on when it is paid. Ex. 1-5 days {$5.00} extra, 10-15 and 15-30 {$10.00} extra. Not to mention, IF for whatever reason we get paid late, we have to pay the mortgage later and then there is a real late fee ... so we are paying DOUBLE late fees. Again, I stress, we have NEVER had to pay late fees with our previous arrangement. We do not have a ton of money so every little bit counts in this day and age. I called loan care to explain the fees and they said it is a fee to USE the online payment option. Being the technology age, this is the ONLY company that CHARGES to pay a bill. It is also very odd that a fee would change amounts based on when a bill is paid. I called numerous times to ask for the due date to be changed so I can avoid these charges and they said " no, the due date is based on your last company 's agreement, therefore, we will not change the due date. '' They do not even try to work with you. One lady even said, this is how we make our money. I am so appalled that they do not work with and it is frustrating to pay extra every month for no reason. To my understanding, this is a management company that works for financial institutes. It is not fair to the customer to pay extra on top of what we agreed upon.

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 2017-06-23
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
The bank charged towards my checking account two inquire fees, that was not correct. These fees are for {$2.00} each, and are stated as balance inquire fees from a XXXX XXXX XXXX  in XXXX, Wisconsin XXXX XXXX XXXX XXXX These inquire fees are listed on me account statement : XX/XX/2017. There are 9 total statements going up, they 've posted a - XXXX balance at the top of my account statement, as I attempted too resolve this matter w/ the rep 's at the bank, they agreed to reverse the fees that I originally wanted to dispute w/ the correct department, but I was not successful. This then posted a balance of XXXX in my checking account. I figure that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin should have had a fee that would have been posted and was not present on this particular statement. From my experience these representatives at the Wells Fargo bank reversed the fee that they originally assessed towards my account and from the - {$3.00} to a XXXX. is what you 'll see.

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 2018-04-15
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: Account status incorrect

Complaint:
After 3 attempts, I have attempted to remove the " dispute '' status information from my credit reports. Time and time again, after speaking to customer representatives from Equifax, XXXX  and XXXX, I was told the dispute comments would be removed ( since I'm no longer disputing the information ). I do not know what else to do, since the credit reporting agencies continue to place the accounts in dispute, after I have told them to permanently remove it ( as I'm no longer disputing the status of the accounts ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Investigation took more than 30 days

Complaint:
The following accounts are inaccurate and they are in violation of my rights according to the FCRA XXXX XXXX XXXX XXXX These credit bureaus XXXX XXXX TRANSUNION have failed to verify these accounts after disputing this issue with them directly.

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 2022-11-15
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I stop making payments in XX/XX/2022 because my income was less, I got behind 5 payments in Total {$6800.00} and I need to pay the total amount, if not is going to foreclosure and dont want to lose my house..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation