BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: NY
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:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
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:
I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09
Company: Nelnet, 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: Account information incorrect

Complaint:
This is my second time reaching out reguarding my NELNET student loan accounts. I know it has only been a few weeks with my original complaint being XX/XX/27 but I have not yet heard from NELNET and my credit score is suffering greatly. My original complaint addressed my concerns of falsely reported late payment for my student loans purchased by NELNET from XXXX XXXX XXXX XXXX XXXX. In the past few weeks I have done extensive research on the map and it appears that this is a frequent problem with many others thats mearly took out student loans to better their future and in turn actually hindered it. I am reaching out again in hopes of a resolution to get the innacurate late payments from XXXX removed from all three credit bureaus. I appreciate your time assisting me with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requested an investigation in regards to the reporting of some accounts listed on my credit report to all three credit bureaus. On XX/XX/2020, I provided proof that 3 out of the 6 accounts were deemed unverifiable by XXXX, therefore were deleted from my credit report, I proceeded with issuing a follow suit letter to the remaining 2 credit bureaus that somehow were " able to verify '' such accounts. On XX/XX/2020, I received in the mail on behalf of one of the companies in which XXXX  deemed unverifiable requesting additional information in order to conduct an investigation and yet 2 days later, I received a letter on behalf of XXXX  indicating that the accounts in question were deemed verified on their behalf. How is this possible when I am being asked to verify my own information when it should be the responsibility of the credit bureau to verify that the correct information is being reported? 

On XX/XX/2020, I sent out a method of verification, again, requesting for the method of validation on these accounts to be provided to me and yet I am still waiting on these documents to be provided to me as I continue to received nothing but " verified as accurate '' as a response to my request. What exactly is accurate?

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 2020-11-30
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted  at the end of XX/XX/2020 by XXXX XXXX ( a debt collection agency ) from XXXX, FL stating that I owed a debt. I promptly sent them a letter days later within the 30 day window requesting verification of the debt because I did not believe I owed the money requested. I never received a response back from them in accordance with federal consumer protection statutes. I followed the statutes in attempting to get this dispute resolved but the company did not seem to care. Months later I found out that XXXX XXXX contacted the credit score agencies in order to mess up my credit score. They were not allowed to do that without verifying the debt was mine which they did not do. This company is in violation of federal laws and should be disciplined as such. I would like this issue to be resolved so my credit score can return to normal. Thanks!

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 2023-06-14
Company: EQUIFAX, 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 information incorrect

Complaint:
Company is reporting transactions that are excluded by law. Specifically, late payments and/or inaccurate balance and/or payment information as well as income as per 15 US Code 1681a paragraph 2 sub paragraph A.

Additionally company failed to provide a lawful consideration, accept and/or report lawfully submitted negotiable instruments, or provide 1099 or other significant tax forms in order for consumer to file/report in a timely manner As of XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: BARCLAYS BANK DELAWARE
State: FL
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:
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. 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 explanation
Consumer complaint received 2018-01-04
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX is reporting inaccurately on my credit file and they are in violation of the FCRA & the Bankruptcy Courts. 
They WERE NOT included in my bankruptcy and in fact I have never missed a payment and have been current, which they have verified. But because I filed bankruptcy they have to stop reporting, they can not continue to report and damage my credit after a discharged bankruptcy. 
They did n't stop reporting until XXXX and it is affecting my financing. 
They are clearly in violation. They need to put the dates back to XXXX or delete it from my credit report. 
They will not help me and I have been trying for a long time. Someone needs to ensure they fix this. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-10
Company: EQUIFAX, INC.
State: IL
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:
state laws changed in XX/XX/2017 regarding child support reporting and I have requested to have information removed from all three credit bureaus child support is not a contractual debt, no services or products were given and amounts are not determined as such and should be removed from credit files. All 3 bureaus refuse to remove account ; they are using a computer system to verify debt which is invalid I have receive documents from Dept of Human Services and Courts stating that they do not report public records to credit bureaus so if the information isn't getting verified from the source who or how is it getting verified. Along with Illinios DCFS these account are invalid for same reason I do not have contract and these items do not belong to me : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: Experian Information Solutions Inc.
State: NY
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 wrote a letter to experian credit bureau on and they received the letter onXX/XX/2020. Expressing my concern about me reviewing my credit report and there being inaccurate information on my credit report. They sent me a letter on XX/XX/2020 stating that they will conduct an investigation into the matter, on XX/XX/2020 saying that only one item that I disputed was deleted, they still havent deleted the other item reporting on my credit report from XXXX  XXXX XXXX. 
They have failed to verify the negative item from XXXX XXXX as accurate and they still have not removed the negative item. Nor have they explained how XXXX XXXX XXXX  verified the negative item nor, the methods in which they verified it Im contacting you. So that this matter can be resolved and be done in accordance with the FCRA. Thank you

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 2019-09-12
Company: EQUIFAX, INC.
State: WY
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 froze my credit with Equifax on XX/XX/17, but today when I went to unfreeze it, I had to jump through many hoops, only to find out it was NOT FROZEN. I asked why, what happened, who did this and the guy with really bad English had no clue. What is going on with Equifax? How can they unfreeze my account without my permission and the PIN number? What other shady things are going on? Please investigate this and hold them responsible. I can't be the only person they are doing this to - this is outrageous! 

I am attaching the original pdf they sent me with the notice of my credit being frozen and the PIN number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 made the following payments on XX/XX/2020 to these debt collectors and they are referenced on my redacted bank statement which is attached : XXXX XXXX for {$290.00} ; XXXX XXXX for {$390.00} ; XXXX XXXX XXXX for $ {$1000.00} and ; XXXX XXXX XXXX XXXX XXXX for {$140.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX {$320.00}. 

Then I made the following payment on XX/XX/2020 to : XXXX  XXXX for {$480.00}. 

These accounts have been paid and to date TransUnion is still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to TransUnion received on XX/XX/2020 and they still have not reflected the payment.

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 2020-11-29
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage to refinance my current mortgage with XXXX  XXXX. They loan officer took my application and sent me the loan information and the rate locked. They locked me at a rate of XXXX for 10 year conventional loan. I have an excellent credit and credit ( XXXX ). The lock was for 60 days. I have provided every document the lender asked for in a timely manner. I was informed by the processor that they have everything they need and she is waiting on the underwriter to give us clear to close. The underwriter requested additional documentation, which I provided immediately. I was told by the process that should do it. I waited few days and I did not hear back, so I contacted the processor and she informed me that the underwriter is requesting addition documentation. Mind you that the 3rd time she tells me the lender has everything they need. I provided the additional document required within minutes and I asked for a clear to close so we can schedule the settlement before XXXX, but the underwriter did not get to the file and I was not cleared to close. The lender pushed the lock for 7 days to my shock as I am ready to close and I have provided everything and have the funds required for the the closing. The lender changed the terms and is asking me to pay for the lock extension even though I did not request it. The processor told me that if they extend the lock they will not charge me because it was not my fault. Now they are refusing the remove the fee of {$420.00} and they still have not lived up to their promise to give me a closing date before the end of the 60 days lock. As I indicated, I have an excellent credit, almost zero debt and the LTV is under 40 %. My annual income is almost 74 % of the loan, so I am a very low risk borrower. I am suspecting they are trying to frustrate me so I can cancel my loan, since I was locked at a very low rate with no fees. Please help. 

XXXX XXXX XXXX cell XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
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: Account information incorrect

Complaint:
The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and Equifax on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, Equifax, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent information to the credit bureaus with all the information requested and still haven't received anything. I have been waiting weeks. I done this a total of three times asking for this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to Transunion, XXXX, and XXXX on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies Transunion, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX  @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
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, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listedXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Freedom FinancialXXXX XXXX XXXX tried to make a principal payment- the system will not let me. They will not take the payment over the phone. This is a simple interest account so if I make principal payments they get less interest- they will not transfer to a supervisor. They tell me they can not accept the principal payment until I make the next month 's full payment. In addition, I asked for a complete accounting of where and how the money was distributed and they could not give me one. This is highway robbery. How can a company stop you from making a principal reduction payment?

Company response to consumer: Closed with explanation