BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: IN
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 requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Experian Information Solutions Inc.
State: ID
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 been a victim of Identity fraud. I have filed disputes with Experian report number XXXX Report date : XXXX XXXX, 2017 XXXX XXXX is still trying to hold me accountable for charges that I never made. My report shows addresses in Florida, which I have never lived, nor visited, 2 social security numbers ( RED FLAG HELLO! ) They are trying to hold me accountable for them shoving credit to a fraudulent person pretending to be me. They say on the report that all information IS true!! No way!!! They put me on hold, and transfer me around until I am mysteriously disconnected. I am done with these fraudsters wasting my time, effort, and ruining my good 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 non-monetary relief
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX XXXX Has failed to report payment history correctly on the vehicle loan that was actively open during the time period XXXX Thru XXXX. Payments where not reported correctly starting XX/XX/XXXX XXXX XXXX of XXXX. There was no payment information report to all three credit reporting agencies. There was a covid-19 impact reporting freeze place on my account that I did not authorize and done with out my permission. Also There was a late payment on XX/XX/XXXX. That was incorrectly reported the payment was not late. Please update this information immediately and correctly to all three credit reporting agencies. for all months that wasn't reported 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 2022-02-08
Company: EQUIFAX, 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:
XXXX XXXX card is reporting to XXXX XXXX is reporting the account is closed. It can not be updated to active because it's closed. 
XXXX XXXX XXXX is reporting said account on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover continues to report a debt on my credit report that I did not initiate. I have already submitted a FTC fraud affidavit and police report, but they refuse to take this off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
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:
I initiated a dispute with Equifax in XX/XX/XXXX regarding a derogatory remark indicating a past due amount of {$58.00} with a medical facility in XXXX Texas. This past due bill was paid in XX/XX/XXXX/XX/XX/XXXX. 

I received an email telling me that my dispute had been completed ; however, when trying to access the information, the 'system ' would not let me in. I called Equifax on two occasions ... the most recent call being today, XX/XX/XXXX. 

I shared my concern with a female employee who told me only that the dispute had been completed but she would n't tell me the outcome. She transferred me to XXXX and he told me that I had called the wrong number and to call XXXX between XXXX XXXX and XXXX XXXX. I called the number at about XXXX XXXX and, through an automated system was told that the center was n't open and to call between XXXX XXXX  and XXXX XXXX! 

I check my credit score routinely. Currently, it is XXXX with XXXX and XXXX with Equifax. While many might view this as insignificant, I do not. I am concerned about Equifax 's information coupled with the gap between the two agencies. I am also concerned about the lack of customer support/customer information provided ( or not provided ) by Equifax. 

I appreciate any aide from CFPB. I can be reached via email to XXXX or by phone to XXXX. 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been advised that adverse information is contained in my LexisNexis report. I have submitted information to them multiple times to get a copy of my report and despite being advised it was being sent, I have not received it. I need to purchase a home and this is causing a hold up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOT A DUPLICATE I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This complaint is solely to voice the immediate issues with the credit bureaus. Assist me in correcting my credit file which has several wrong account and personal information. They knowingly are attempting to collect on a debt that is not mine. XXXX, XXXX, 4 listed as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are amongst the list. XXXX I have never been late not once. Every communication with Experian, XXXX, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( e ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts.

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 2017-07-26
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dear XXXX XXXX XXXX ( Citibank/The Student Loan Corporation ) You illegal tactics involving private student loans XX/XX/XXXX-XX/XX/XXXX is being investigated. Today the CFPB and congress has struck down the binding arbitration rules. I will file a criminal complaint against you, you have been going into my credit files and selling my information to debt collectors. You need to re-validate and check the payment history on the student loan. These loans where securitized, and have been written off at some point in time. You have no claim and authority to proceed with collection activity. The original note has been paid.

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 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: Experian Information Solutions 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:
Acct has XXXX $ balance please delete from my XXXX and Experian credit reports! You cant collect from a {$0.00} balance

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 2022-02-08
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, INC.
State: NV
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 multiple dispute issues with XXXX, Equifax and XXXX that are not being corrected per the FCRA. I 've consulted with my attorney and was notified that neither the credit bureaus or the creditors have the right to report disputed information that has not been legally verified. I 've researched and found XXXX V XXXX XXXX, wherein Congress states that the only legal form of verification per the FCRA is possessing and producing proof of their claim. Otherwise, it 's only hearsay. Congress further states that the burden of proof is on the creditors and credit  bureaus - NOT the consumer. 

Here is my dispute to XXXX, Equifax and XXXX ( below ). Due to the fact that these accounts are reporting  inaccurate and have not been verified, corrected or deleted, they must be removed immediately from my credit report. 

Im well aware that my credit report is showing inaccurate items, and Im appalled at the so-called investigations that have been performed on my behalf. Ive consulted with my attorney and have been informed that without the physical documentation to back up your claim that this has been verified, it does not meet the requirements of the FCRA. Ive disputed directly with the creditor as well and was told that at no time was any documentation sent to you to validate my disputes. How can this be verified? Congress states in XXXX v XXXX XXXX, that the burden of proof is on the credit bureaus and creditors to verify and not the consumer. Please see the enclosed 6-page lawsuit which outlines my proof. 

XXXX XXXX XXXX XXXX I do not owe a balance of {$5800.00}. In addition, you are reporting that I did not pay on time for XX/XX/XXXX while Equifax shows that I paid on time!. Delete immediately! 

XXXX XXXX XXXX Theres absolutely no information on this account. Wheres the terms, type, high balance, limit, payment status, payment status details? You do not have any of that listed. How can the high balance be {$0.00}? Please delete at once. 

XXXX XXXX XXXX How are you still reporting the wrong balance? This doesnt make any sense at all! You did not at any time correct or delete this account, which you must now do based off the fact that you are not reporting this per the FCRA : Monthly payment : XXXX and Equifax $ XXXX/XXXX {$150.00} Status : XXXX : 30 days late/Equifax ; : 60 days late/XXXX : paid as agreed Youre screwing with my numbers and none of this is valid. Delete immediately. 

Any correspondence received to and from you will be made available to my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: WELLS FARGO & COMPANY
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This complaint is against Wells Fargo. Student loans came due, I was constantly harassed by phone calls requesting payment. I repeatedly asked for payments to be lowered, asked for detailed payment information which I never received. My parents submitted paperwork to have payments lowered and was never contacted back with an answer. I was hit with late fees for months. I still inquired about a detailed report to see interest accrued and never received.

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 2018-01-02
Company: Credit Karma, LLC
State: DC
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 is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/XXXX Purchased {$500.00} XXXX XXXX Visa gift card. 
XX/XX/XXXX Friday night first use of the card was denied at XXXX XXXX XXXX. 
XX/XX/XXXX Monday contacted Incomm. Found unauthorized use of card funds on XX/XX/XXXX at XXXX XXXX Pymt for {$480.00} and {$11.00} leaving a balance of {$.00}. 
The card has never been out of my posession and account numbers have never been given out. 
XX/XX/XXXX Received emailed dispute form from Incomm and immediately returned an email copy and also a faxed copy and a copy by US Mail. 
XX/XX/XXXX Five additional calls between XXXX and XXXX have failed to restore the missing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a property tax exemption from XXXX in 2021. I faxed in the paperwork to Shellpoint Mortgage back in XX/XX/2021. I was told it would take 7 days to do an escrow analysis to adjust the payment. I have contacted Shellpoint Mortgage several times to resolve this issue and I`m still haven`t received the adjustment to my property taxes and mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was paying my lender n time until their servicer place their own insurance on the property when i already had insurance and charged me more every month. I showed them proof that i had my own insurance and then they said they will adjust the default payments and never did. My default payments have been getting billed in the back since XX/XX/2018 for XXXX a month. Now my new lender is trying to pay off the loan off and they want the default interest when all of it should of been waived from day one since they made a mistake to place their own insurance on the property. My new loan docs are expired and i might be able to get a loan since the servicer took 2 months and has not rectified this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requested proof of ownership on XXXX XXXX XXXX but there is none. It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2022 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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