BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
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 status incorrect

Complaint:
My current mortgage company " XXXX XXXX " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX. 

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2018 I tried to get a temporary release of a freeze on my credit report with Equifax. 
It took XXXX or XXXX tries over XXXX minutes or so on their website to get to a pdf with the release code. The one time pdf did not open. I was asked on the webpage to call a number. 

After several questions, I was asked to submit ID by mail. I asked to speak to a supervisor. After XXXX min on hold, I worked through the same list of questions again and was told " I passed '' and that they would send on something - whereupon they cut off the call. 

After XXXX or so minutes of my time wasted by incompetence, I still don't have the temporary pin to release the credit freeze. 

For comparison, the process with XXXX on their website took about less than XXXX minutes total.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: GA
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 US Department of Education has been reporting student loan account incorrectly on each of my reports for years. I have disputed each account multiple times, and nothing has changed. The credit reporting agencies never send a reason why no investigation was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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 status incorrect

Complaint:
My current mortgage company " XXXX XXXX " reported me as being " serious delinquency '' during the months that the President Declared 6 months Forbearance for Texans who were affected by a Disaster - Hurricane Harvey. So no reporting should have been made from XX/XX/XXXX through XX/XX/XXXX. They reported me twice XX/XX/XXXX & XX/XX/XXXX. 

I have tried multiple times to review my account with them and have not received any help as they have seriously messed up my escrow account. It has taken over a year to try and get it straightened and still not corrected which is creating me being partially late on a payment. I was given personal managers names / emails / phone numbers with no reply by phone or email from them in trying to resolve my account. 

I am trying to sell / get approved for a new purchase but I am being denied due to the reporting. The new company I am working with suggested that I make this complaint.

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 2019-01-15
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, and Equifax is reporting accounts that do not belong to me. History reports late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: EQUIFAX, INC.
State: AZ
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:
I have been in contact with equifax trying to get the inquiry XXXX from XX/XX/XXXX, off of my credit report. I DID NOT EVER AUTHORIZE permission for the said company to pull my credit. I won't this to be removed as ensured by federal law. Also at this time I'm also seeing a new inquiry listed as XXXX inquiry date XX/XX/XXXX from business type Miscellaneous Reptg. Agenciesthis was not on my report two weeks ago and is damaging my report. Why all of a sudden is this XX/XX/XXXX inquiry effecting me? This goes against federal law FCRA. There is no contact information provided for this frivolous inquiry. And I never ever received a letter for this as well. 
XXXX XXXX XXXX  has removed this inquiry from my XXXX report and I demand it to also be removed from Equifax immediately per FCRA. I also want validity and verification of the other mentioned inquiry and I want it removed. I Do not want to be forced to bring a small claims suit for restitution on this matter but will.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- I have disputed this collection more than once from all credit bureaus. I also sent a BBB complaint to the original creditor where they in fact adjusted the breakdown even though it was not correct, the credit bureaus are reporting {$1100.00} more than what is owed to the company per their break down. Even though it should be even less than that. I want this removed from my credit as ALLEGED DEROGATORY REMARKS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS. MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ 1,000+ PER STILL UNPROVEN, UNTRUE INACCURATE, UNTIMELY, INCOMPLETE OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRITING COMPOSITION. The last dispute I submitted I attached a copy of the companies final response showing {$480.00} plus cleaning fee due which in fact is still incorrect as the company overcharged me for 12 months on my lease and they required me to pay a late fee many times when there should have been a credit. Since the Bureus did not valide the debt to it 's intirety as I requested more than once, I want it deleted and removed from my credit report. per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that you are MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that you are deficient of your requisites toreport adequately and a challenge ( or dispute ) is lodged versus any data iformation previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.I demand, as is MY RIGHTS to do so and as is your REQUIREMENT to satisfy, for you to ANNUL by deletion or removal any and all allegations DEFICIENT of PHYSICAL EVIDENCE OF COMPLIANCE to reporting laws much less verified and valid.If you are unwilling or UNABLE to do so in a federally defined TIMELY manner you MUST rectify your infractions by RETURNING TO or retaining federal reporting COMPLIANCE TODAY, even RIGHT NOW.As such, I DEMAND that you CERTIF.ICATE the verification and validity of the following claims or DELETE NOW.

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 2019-01-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian, XXXX, and XXXX  is reporting accounts that do not belong to me. History reports late payments.

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 2022-08-09
Company: ENCORE CAPITAL GROUP 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: Their investigation did not fix an error on your report

Complaint:
I've disputed collectors due to misinformation & violations of rights. The collectors were supposed to remove the blemished marks off my credit report & have failed to do so. In accordance to the FCRA a number of my federally protected consumer rights have been violated. My right to privacy & confidentiality has been violated under 15 USC 1681 as stated in the FDCPA. Rights such as 15 USC 1681 sec 602 ( a ) states a consumer reporting agency can not furnish an account w/out my written consent. 15 USC 1681C ( a ) ( 5 ) states no consumer reporting agency may make any consumer reports containing items of information, any other adverse items of information records if convictions of crimes which out dates the report more than 7years. I've addressed this matter with XXXX XXXX, XXXX, XXXX XXXX XXXX midland credit management. The blemishes were removed ( XXXX XXXX ) on only one account through XXXX. They were both expected to be removed/deleted from my credit report both XXXX  & XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I suddenly started receiving denial error messages trying to use my Venmo account. After an online chat and numerous phones calls, I was told for some " mysterious reason '' my account was flagged by their security algorithm and there was no way to find out why, nor could they override it. My credit cards associated with my account have {$0.00} balance and both have credit limits over $ XXXX. I have a FICO of XXXX, never been arrested or indicted. I believe they owe me an explanation of why I was flagged and any errors be corrected in their system. 
The case # for this incident is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2019-01-15
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
First, I financed through XXXX XXXX XXXX at a XXXX doctor and signed documents which stated the monthly payment of {$150.00} with 12 months of no interest financing. The statements say 6 months no interest financing and a payment of $ XXXX   monthly. I attempted to resolve this, I was told while it was being investigated they would not collect payment or charge late fees, but they have both. I even emailed the original paperwork with no results yet. 
Next, XXXX XXXX begins harassing me requesting the full amount of the card balance be paid and would not accept a monthly payment. 
XXXX XXXX continues to call and harass me, my wife and now my father, who they have also given specific information regarding the debt to. They told my father the amount of months past due, the total amount due and that the debt was for a XXXX   procedure. This is not only a violation of the FDCPA, but also a HIPPA violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I visited XXXX  XXXX XXXX in XXXX, Texas. The itemized medical bill was XXXX. The administrator asked how did I wish to pay. My response was via mastercard. The administrator asked it would be via insurance? I responded for a third time. It would be mastercard. 

The Administrator and nurse on duty presented me with an XXXX itemized bill statement. 

I asked on three other occasions if this was the bill in full and the Administrator responded yes. " This is the itemized cost per our charts. I then provided my mastercard to the Administrator and a charged of XXXX was bill to my card and I was presented with a receipt for my records. 

Within three weeks, I started receiving bills for additional charges. I have spoken with XXXX  XXXX on several occasions, and provided them with a copy of the paid receipt. The response was, " I don't know why they charge that price because it is not enough. 

I contacted my legal team and they drafted a letter of inquiry which XXXX  XXXX has refused to acknowledge on two occasions. 

On XX/XX/XXXX, I received a letter from a third party collection agency threatening to report the matter to the credit bureau as bad debt collection. I have attached substantiating documentation of full payment and all other pertinent documentation for your review and resolution before additional legal action is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: EQUIFAX, INC.
State: MD
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:
My wife and I submitted a request to Equifax and XXXX over two months ago, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
There was an XXXX XXXX charge of {$24.00} on my XX/XX/XXXX XXXX XXXX credit card bill for account # XXXX that neither I nor XXXX could find support for. I disputed the charge as fraudulent. XXXX   never credited the {$24.00} charge. Moreover, XXXX added several months of {$27.00} late fees, bringing my total account balance to over {$100.00}, and then placed my account for collection with Citi-Bank. When I contacted Citi-Bank to explain my fraud dispute, Citi-Bank immediately stopped collection action. I phoned XXXX Credit Department numerous times and sent them at least two certified letters. XXXX later closed my account in XX/XX/XXXX, as I recall, but reported this as an Adverse Account to XXXX and a negative account to both XXXX  and XXXX I recently discovered that this is still on all three credit bureau reports. Today, a XXXX Credit Department representative acknowledged that XXXX documentation on my account shows there was a fraud problem. However, the representative said that as this is an old account, XXXX will need to do further research to resolve it. 

It appears that XXXX Credit Department personnel didnt think they needed to correct XXXX negative reports to the three credit bureaus regarding my XXXX charge account # XXXX because they had closed my account. However, this left a problem transaction on my credit record and lowered my credit score, even though the transaction was related to a fraud and was not my fault. As of XX/XX/XXXX, this problem has not been resolved.

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 2018-06-14
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL is trying to collect XXXX for XXXX. XXXX filed a fraudulent amount, XXXX took 2 XXXX XXXX XXXX and were supposed to pay each off in the amount of XXXX each for a total of XXXX leaving me a balance of XXXX which is what I am willing to pay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: LA
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:
Called XXXX XXXX to get a price on cell phone service. They asked for my SS # and I was not thinking they would run my credit. Had they asked for permission I would not have let them. I asked them to remove the inquiry as it was put there with out my consent. They refused. Please help, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EQUIFAX, 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 status incorrect

Complaint:
XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Wells Fargo SBA loan officer is using an acceleration clause and calling the total SBA loan amount due within 14 days, a total of {$510000.00} dollars.The SBA loan is in good standing, payments have been made. 
Wells Fargo 's stated reason for the accelerated payment request is over an unpaid line of credit of {$49000.00}. 
This line of credit was used by the previous owner of the corporation in the amount of {$27000.00}. Yet Wells Fargo is still trying to collect the entire amount of {$49000.00} from the company, moreover now we have to pay off the entire SBA loan amount of {$510000.00} Company made a {$25000.00} payment on XX/XX/2018 to stop the acceleration of the total loan, and further we made a commitment to pay the remaining amount as well since Wells Fargo would not stop the proceedings. 
However in the mean time the enclosed letter arrived from Wells Fargo holding the previous owner responsible for {$27000.00}. 
We have asked the loan officer to stop the acceleration payment and relieve us from the remaining debt obligation, however Wells Fargo is still perusing us for the total payment of the line of credit and the accelerated SBA payment. 
Please help us resolve this issue with Wells Fargo.

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