BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have not once been able to view the results of the disputes I have filed against Equifax. I get a courtesy email Dear XXXX XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 


View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX When I try to click on the link to view the results, I fill out all the information about me to correctly. Then Equifax ask 5 or 6 questions about information that it says that I have credit cards etc. on certain dates which is totally bogus. I answer " none of the above '' to every one of the questions.

I then try to get the results of my dispute and Equifax claims that the information in their file does not match the response I supplied. 
EQUIFAX is keeping me from accessing information on my disputes. They have done this EVERY time I have tried to get information from them. I want Equifax to give me the access to my disputes and quit denying me access to the information that I have every right to have access. 
They initially got a denial to get a small personal loan. On the rejection letter, Equifax only showed 2 items on my credit report and stated to XXXX that I had " NO CREDIT SCORE ''. If I don't have a credit score and only show 2 items on my credit report, HOW IN THE XXXX  ARE THEY SAYING THAT MY INFORMATION DOES NOT MATCH WHAT IS IN THEIR SYSTEM. This is bogus. They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.

This is their response to accessing the dispute on-line ...

We are currently unable to process your request!

The information you have provided does not match our records ; therefore we are unable to process your request online.

Please try again later or submit your request via our secure Web Email dispute form.

Then I click on the link to do a Web Email dispute. I submit it and get the same XXXX story over and over and over again and again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a internet connection device that never had sufficient signal strength to allow me to use my computer with it. XXXX showed no signal in this area, they should have never attempted to connect me to the service. I cancelled the service with their customer service and in writing. They are claiming I did not pay for valid services received and are attempting a fraudulent collection, using the credit reporting agencies as an illegal collection vehicle. 
The original communication was dated XX/XX/XXXX. This account has been resold to the following collection agencies over the past years.

Allied Collection Services, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX. 
XXXX, XXXX XXXX. 
In each case when contacted by the above agencies, I explained I never had a cell phone with XXXX and within the 30 days of receiving the notice I disputed the debt and requested proof of the debt. 
None was forthcoming and as of this date I have not received any further communication from the above. 
In XX/XX/XXXX I was informed that my credit score was reduced by 70 points, the only addition to my credit report in XX/XX/XXXX was XXXX XXXX. 
XXXX XXXX sent me a letter in XX/XX/XXXX and on XX/XX/XXXX I replied in writing disputing their claim. They have never replied to my written communication to them disputing their claim and asking for verification. 
The above is a Scheme that XXXX is using against its customers.

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 2018-10-17
Company: NCC Business Services, 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: Information belongs to someone else

Complaint:
NCC BUSINESS SERVICES open : XX/XX/2016 XXXX XXXX  XXXX XXXX {$300.00} This company is reporting I own the {$300.00} I never used this company or have I ever been here this is fraudulent information our house is paid for why would I apply to stay here this information is wrong by the law I will sus this company and go to court if this is not removed off my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
XXXX rental charged over {$19000.00} to my Texas Workforce Commission unemployment prepaid debit card backed by US Bank. US Bank investigated fraudulent activity in XX/XX/2020. They found the fraudulent activity to be true but did NOT refund the money. They closed the case and gave me no recourse.

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 2018-05-12
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:
The credit reporting company has stated that my account for XXXX XXXX XXXX was updated but never once has proven that the debt belongs to me with proof of my signature. They have failed numerous times to provide proof of this debt.

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 2018-05-12
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out of my apartment on XX/XX/2017. Turned in keys and gate key card. The person took my information just in case I may owe something. Never received any notification about the debt and then in XXXX a collection shows on my credit reports. I have contact the apartment front office and also Headquarters but no will call me back or send a letter breaking down why I owe the amount. This should not have been in collection if I never received any notice. I will continue to disputes until some one contact from XXXX with a break down of the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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 had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.

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 2018-05-12
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The person who is attempting to collect debt from me claims they are working for the law offices of Robert A. Schuerger. They have not been very pleasant to speak to, Ive tried to pay them so much a month and told them I would be late on my payment for the month of XXXX and the debt collector was not nice about it. They have also called my employer at my old job and that employer as the one now, will not accept personal calls. I feel this debt collector may be pretending to be a lawyer. He tried to threaten me with court and also with trying to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may Concern I went on to check my credit and what I saw I was not Happy at all, how can someone do this to me and how where they able to get my Information to Open fraudulent Accounts. 
this Fraud Needs to stop in Florida. I did not Give any Consent to no one to open any of these Accounts I want this matter Resolve. this is not right thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: U.S. BANCORP
State: LA
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:
I bought a car in XX/XX/XXXX and paid on it until XX/XX/XXXX I bought it for {$12000.00} I owed {$900.00} on the car. The bank wanted me to just pay it off I got out of the XXXX  it got totaled I had full coverage XXXX  They would not cover it because it was hit and run under Tennessee law they do not have to cover it.

The bank is reporting that I owe 90 % of the sale like I never paid them and closed the account please get a full detail of when I started paying and how long I paid on the account they won't show This because they are wrong please delete this off my credit report this reporting in accurately

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 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
bank of America XX/XX/17 account opened in my name I was XXXX  I cant XXXX XXXX XXXX due to a XXXX  while I was XXXX XXXX. the company said I was lying and I must pay

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 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/2017-XX/XX/2017. 1. Where is the proof? 2. Why is this account being updated?

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 2018-05-12
Company: EQUIFAX, 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 No Knowledge of this account and it does not belong to me XXXX XXXX Account Number XXXX Account Type Installment Loan Terms M Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Pays account as agreed Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated - Credit Limit {$1000.00} Past Due Amount - High Balance {$1000.00} Monthly Payment {$71.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX  XXXX, XXXX XXXX, TX XXXX Ownership Authorized User Original Creditor - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX  ( the worse ), Transunion and XXXX  are taking two and three months to update account information and updating credit scores. This is affecting my credit score and balances on my accounts when it takes them months to update.

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 2018-05-12
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:
They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college

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 2018-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
They are reporting misleading information on my credit report i have no acknowledge of these account or seen them before please remove these accounts asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Start - XXXX XXXX - I never went to college

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 2018-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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 had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.

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 2018-06-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I asked Experian to delete an old collection account because it was past the statute of limitations and the debt collector could not longer collect on it. They conferred with the debt collection company it was a true account, however, they did not delete it from my report despite the collection ( medical ) being a HIPPA violation.

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 2018-06-24
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: Account information incorrect

Complaint:
I took out a loan in college in XX/XX/XXXX, specifically a FFEL STAFFORD SUBSIDIZED established on XX/XX/XXXX. This loan was paid off as in full as of XX/XX/XXXX. However I am constantly receiving calls for student loan debt. I believe that it is showing that this loan is still outstanding, dragging down my credit score. This loan in paid in full and needs to be reflected on my credit report ASAP, showing as paid in Full 9 years ago. I can send all loan detail as required. Please help me with this as it making car loans and interest rates much higher than they should. 

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 2020-02-03
Company: Experian Information Solutions Inc.
State: PA
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 disputing this account for years and experian keeps updating it as verified. I have contacted the company on numerous occains by mail and they never respond. The date of status is XX/XX/2015, the status is incorrect and most information on the account is not being reported. The account is XXXX  XXXX XXXX/ total card XXXX, please delete this because it can not be verified and experian has refused to provide me with method of verification after numerous requests

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 2018-05-12
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, we received an escrow shortage billing in the amount of {$4300.00} from our new mortgage company, Specialized Loan Servicing ( SLS ). Under the " Estimated Escrow Payments Over the Next 12 Months '' section, we noticed SLS charged county taxes twice for XX/XX/XXXX and XX/XX/XXXX, {$2300.00} ( listed twice for both months ). OnXX/XX/XXXX, a certified mail was sent to SLS to their Notices of Error and Request for Information at XXXX XXXX XXXX XXXX, CO XXXX. We received a letter stating they received our letter and was being worked on. As of today, XX/XX/XXXX, there has been no resolution to our problem. It has been verbally acknowledged numerous times by telephone with their reps that the error we pointed out in their part is correct but fixing the problem has been delayed numerous times. We have made many numerous phone calls asking for updates and an immediate answer. Our XX/XX/XXXX statement shows we owe {$750.00} more than what we originally pay a month, an outrageous amount of difference.

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 2018-10-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My VA mortgage was recently sold to another finance company called Lakeview Loan Servicing LLC in XXXX XXXX, VA. They have added a processing fee to the loan which said if you pay between the XXXX and the XXXX there is no fee from the XXXX to the XXXX there is a {$5.00} fee and from the XXXX to the XXXX there will be a {$10.00} fee and after the XXXX there is a late fee. I have never been late on a payment but like most retired people I do not get my pension check until around the XXXX  or XXXX of the month and social security checks come on the XXXX Wednesday of the month which means every month I will have to pay at least a {$5.00} fee which will add {$1800.00} to {$3600.00} on a 30 year loan and if they are servicing say 1000 loans that is between {$5000.00} and {$10000.00} extra every month. It seems unfair to me and where is all that money going? I have also reported this to friends that I know in different mortgage companies and to the VA.

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 2018-06-24
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, I paid off my Wells Fargo credit card, as it was in collection status. Due to financial struggles, I never had the chance to pay it off for almost four years prior to this. After paying it off, Wells Fargo informed me by letter that it will be reported to all three credit bureaus as closed & that it can be removed, along with the late payments from XX/XX/XXXX-XX/XX/XXXX. However, that status has never changed and the account is being reported as a " charge-off ''. I've disputed this account with the three credit bureaus, only for the dispute to be denied.

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