BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My mortgage loan is currently backed by XXXX XXXX owned by XXXX XXXX and serviced by XXXX for reference. It has been a nightmare to work with them during the pandemic as I had requested to be put in Forbearance under the guidelines of the XXXX XXXX 

To summarize my experience, I have called in to both the Customer Service and Loss XXXX XXXX  scores of times and have consistently received conflicting information about the Forbearance process. I had completed my Forbearance in XX/XX/XXXX and had elected to move forward with the Payment Deferral option. I had been approved for the XXXX in XXXX, but it did not process until this month, XX/XX/XXXX. 

I was relieved that the XXXX had finally processed, but then saw that XXXX had reported to the credit bureaus that my loan balance had increased beyond that of my original loan amount. This makes absolutely no sense as I was advised from the beginning that those missed payments during forbearance would not add on as additional payments, but simply be pushed back to the end of my loan. 

What is even stranger is that my most recent statement actually reflects an accurate loan balance, but for some reason XXXX are reporting a much higher balance to the credit bureaus. I have called in multiple times to rectify this, but as usual have received no helpful responses, let alone a representative that even understands what is going on. I just want this nightmare to end. I am exhausted of having to call in to this incompetent organization time and time again and never receive a solution or even any helpful feedback. Please help me for the love of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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: Was not notified of investigation status or results

Complaint:
I sent TransUnion 3 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to TransUnion. My next step will be to sue them. These are the inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. Informative XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/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 2022-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/2022, I requested my XXXX Credit Report. Included in the Credit report, I discovered that two of my oldest CAPITAL ONE credit cards were not being reported on the report. These two accounts are almost XXXX XXXX XXXX and pay a huge role on my CREDIT SCORES. Both other Credit Bureaus, XXXX and XXXX were being reported correctly with all FOUR of my CAPITAL ONE accounts. Multiple attempts to add the other two CAPITAL ONE accounts to my XXXX report have failed miserably. I contacted XXXX by phone on several occasions, and was instructed to contact CAPITAL ONE directly to correct the matter. I wrote a certified return receipt letter to CAPITAL ONE explaning the situation, hoping that an easy fix would resolve the matter. CAPITAL ONE wrote back to me notifying that they have been reporting the FOUR accounts to XXXX, and could not explain why i was have this issue correcting it with XXXX. I asked CAPITAL ONE to provide me the documentation that they claim they made to XXXX, asking them to resove, so i could forward to XXXX. They did provide me documents to send to XXXX, I then sent another certified return receipt letter to XXXX with CAPITAL ONE 's documentation, so that they could fix my XXXX credit file adding the other TWO missing accounts to my file. INCREDIBLY, but not unexpected, XXXX said they could not correct the situation ONCE AGAIN SENT ME BACK TO CAPITAL ONE to resolve. THIS IS CRAZY! and should not be happening to consumers fighting to correct their deserved Credit Reports. I have exhausted all efforts to de the right thing, and I ask that you please get involved. I need your help, and I know this is what you specialize in to help consumers. Recapping the situation and my request to resolve this matter, I am asking that you make contact with XXXX if you can, because its impossible to speak to UNITED STATES OF AMERICA representative in customer service, Its located and calls are directed to the XXXX. I ask that you please help me have the two missing CAPITAL ONE accounts ending in XXXX and XXXX ADDED correctly to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: PA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I went into the branch. 
I was told by XXXX, the rep that I could not open an account at all. 
I had one previously. 
She printed the statement. 
It shows all kinds of fraud but yet Well Fargo never notified me at all. 
She had no explanation for me at all. 
I call their 800 number ; they didn't have any answers either.

How can I dispute anything when I'm not aware of them.

Bank never notified me.

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 2017-10-25
Company: Exeter Finance Corp.
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I've tried disputing this account with this company numerous of times and haven't got a response. Instead of the company deleting the alleged debt like they did on my XXXX profile they decided to decrease the debt 50 % turning the debt from XXXX $ to {$1700.00} and fail to comply with the letters I sent them. This company did not do a correct investigation. I never got any supporting documents stating that the debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with 01 XXXX XXXX and I do not have a contract with THE CBE GROUP INC-FORMER plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX XXXX XXXX : {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: ALLY FINANCIAL INC.
State: NC
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:
To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX  credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Multiple disputes have been sent to TransUnion since XX/XX/XXXX against fraud-initiated inquiries ; however, to date, these fraudulent inquiries continue to report on the TransUnion credit report. 

Fraudulent inquiries reporting include : XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XX/XX/XXXX ). 

Full documentation including a police report were sent to TransUnion to support fraud claim on these inquiries. Disputes were mailed to TransUnion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. The last dispute was sent after reviewing the TransUnion credit file on XX/XX/XXXX and finding all disputed inquiries still 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 explanation
Consumer complaint received 2017-10-25
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Scam Mortgage Company is SLS Loan Servicing. XXXX Colorado. 
First of all I did NOT choose this company to have my mortgage with. 
XXXX XXXX XXXX turned my mortgage over to SLS last XX/XX/XXXX, without even asking me. 
All of a sudden in XX/XX/XXXX SLS is CHANGING the Terms of my TAX Escrow and they are essentially DOUBLING my monthly payment to their " Scam '' loan company. 
I believe this is a SCAM to ensure that I am NOT able to make my monthly payments and so that they can Foreclose on my Mortgage. 
I am trying to Change my Tax Escrow and pay through the Town in which I live. 
Instead of paying thru the Mortgage Company, which now appears to be a total SCAM company. They have even charged me Late Payment Fees for which I have NEVER once been late on my payments with their company. 
There was a problem last year when the switch happened for my loan and my payments were not being accepted any longer from XXXX XXXX XXXX, total, total Scam between XXXX XXXX XXXX, XXXX and SLS Loan Servicing. It appears the whole Mortgage Crisis is still a part of the fabric of America. This is absolutely unbelievable.

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 2022-04-02
Company: Experian Information Solutions 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 status incorrect

Complaint:
On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off XXXX. I had a zero balance as of XX/XX/2022. I asked XXXX to please close my account. For whatever reason they never closed it! XXXX was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, XXXX took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. XXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against XXXX for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!

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 2017-10-25
Company: EQUIFAX, INC.
State: CA
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:
On or about XXXX XXXX, XXXX, XXXX XXXX XXXX. news ) reported on their nightly news as well as on their online news website that " EQUIFAX EXECS SOLD STOCK BEFORE HACK WAS DISCLOSED TO THE PUBLIC. '' When Equifax FINALLY reported their data breach to the XXXX public on or about XXXX XXXX, XXXX approximately XXXX XXXX XXXX citizens ( to include myself ) placing EVERYTHING that was suppose to be CONFIDENTIAL about myself and XXXX XXXX other XXXX citizens was no longer confidential. All thanks to Equifax alleged sloppy security measures. 
XXXX also reported that XXXX XXXX XXXX, Equifax 's President for XXXX XXXX XXXX and XXXX XXXX XXXX, Equifax 's President of XXXX. Workforce Solutions each sold a LARGE amounts of their Equifax stock PRIOR to revealing to the XXXX public that Equifax had a massive data security breach. These XXXX Equifax executives financially profited off their own company 's security mistake while XXXX XXXX XXXX citizens which also includes me have suffered emotional harm and potentially financial harm as ALL of our VERY personal credit information has now been released into cyberspace. 
Before this XXXX XXXX, XXXX, XXXX news story, Equifax allegedly had a horrible reputation in their so-called " Customer Service '' Department but since XXXX XXXX, XXXX it has it now even worse. 
When I recently called Equifax about the above concerns and asking for a " Free Copy '' of my Equifax credit report, the Equifax employee just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Paypal Holdings, Inc
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 have my paypal limited for no apparent reason. They send me an account alert, I already complied and send every information their asking but they still have my account limited. I use paypal regularly for my small business and because of this happening i can not access my money that is badly needed by my family. I saw someone in youtube doing this and have their account restored, I hope to have my too. This is such a burden to me and my family, all our money is being held by paypal, I dont know what to do. My paypal is linked to this email XXXX and paypal name is XXXX XXXX XXXX I hope you can help me resolve this as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Blakely-Witt and Associates, 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:
cra violation and hippa inaccurate information id theft victim XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Avant Holding Company, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card company says that I am {$60.00} over my credit limit and it shows a its not even a purchase it just says payment adjustment of {$100.00} when Ive called them they said oh we were where of the problem check back into 2 to 3 weeks nothing is happening at night I just dont understand according to them they say that the transaction was in XX/XX/XXXX but when I look at their website its as XX/XX/XXXX and theyre just very rude they wont explain to me what this is what it means how it became Ive been rebuilding my credit and Im very dillgent and make sure that I do not that my limit and whatever this is just popped up and theyre not seeing the same information that I see on the Internet on their system so I dont know if its fraud on there and what is going on but Id really like to see if theres a way to investigate it. My apologies for the run-on Im using talk to text

Company response to consumer: Closed with explanation