BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On Monday ( XX/XX/XXXX ) I noticed a charge on the joint checking account I share with my wife in the amount of {$22.00}. The charge was from EXPERIAN and appeared to be for a credit report. Neither my wife nor I requested a credit report recently. I called my credit union and they gave me a number for EXPERIAN. I called them yesterday ( XX/XX/XXXX ) and was on hold for 90 minutes without getting through. I call the same number this morning ( XX/XX/XXXX ) and was on hold for an hour without getting through. I went to their website and called a different number. I got through to someone in the charge dispute department and explained my problem. He told me it sounded like a membership charge. While I did request a credit score from EXPERIAN in the wake of the XXXX data breech, I did n't sign up for any kind of membership. The man I spoke with transferred me to the membership department and I am now on hold again ( 25 minutes and counting ). It is criminal that these credit agencies traffic in our financial information and yet we have to pay to access that information. Not only do they make huge profits off of our information, they 're careless with this vital data. I want the {$22.00} refunded and any membership that was set up unbeknown to me terminated. Thank you in advance for your kind attention.

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 monetary relief
Consumer complaint received 2018-03-20
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:
Despite my repeated dispute submissions to the credit bureaus, the agencies continue to report damaging fraudulent activity. A police report was filed, and details were forwarded to bureaus and collectors, but I continued to be harassed. Equifax responded to my last consumer finance report by stating that the account was verified with collection agency. The verifying information was that the person who committed the crime used my correct Tax ID #. Well isn't this what we call fraud? This battle has continued for years, and last week, I was able to endure another interrogation from the fraud department from the collector, and they finally agreed that the account was definitely fraudulent. All 3 bureaus have continued to report false information despite a police report, and clearly they did not take the time to investigate with the collectors. Instead, they simply reported that it was my debt. One of the accounts is tied to an address, and person who committed the crime. The agencies refuse to remove me permanently from marketing. I am uploading a copy of the information received from the collector for a specific debt in question. A cellphone bill in the excess of 1000. 
I am also a victim of the EQUIFAX BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Experian Information Solutions Inc.
State: IL
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:
I received a car loan through XXXX XXXX in XX/XX/XXXX. They told me my payment would be {$200.00} per month. Once I started making payments, they informed me that the {$200.00} payment was bi-weekly, not monthly. I made all payments on time until XX/XX/XXXX, when I could no longer afford the make the payments. I voluntarily returned the car to the dealership and notified them that the car was in their possession. XXXX then ran a credit check on me, which I did not authorize. They call me 3 - 4 times daily, trying to get me to come pick up the car and continue making payments. I can not afford to. I realize this will damage my credit, but I did not authorize them to do a credit check on me and I was completely honest with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: EQUIFAX, INC.
State: NH
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:
Hi, The re have been attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX.- Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Quicken loans # XXXX, appraisal was done, I told appraiser that the square ft, figures he was using was wrong and that the assessor was going to change them, the correct figure was 1560 sq. ft. backed up by insurance coverage, the appraiser used 1377 sq ft.. The 30 ft diff, is the way the laundry room is situated ( 1560-1530 ) Had a discussion with Quicken loans telling them that the mortgage should be on XXXX instead of XXXX, told QL you can not have a mortgage on part of my house, they chose to ignore this and we closed. I figured that all this info would go to the dept that handles problems and it would get fixed, never did. Spoke to a RE Atty, she told me that you can not have a partial mortgage and that the lender could not foreclose on a partial mortgage, and the Atty thought the only way to fix this is to have the lender write off the loan since it was invalid as it stood., This refinance was XX/XX/XXXX I waited almost a year for this to get fixed, and it never has. So now ( XX/XX/XXXX ) I am refinancing with another lender, if as the attorney believes that my mortgage is invalid then my new lender has a different pay off. I told QL before we ever closed that this needed to be fixed I didn't hide anything, they have known from the beginning that this mortgage was not valid, so now I have been making payments on an invalid mortgage. The assessor shows sq. ft. as 1530, mortgage is on 1377 sq ft. QL paid the taxes which showed the increase and didn't question why. In one of e-mails QL says that the appraisal is based on the legal description and sent me a copy of same as if any improvements ie : house doesn't count, this is a housing tract not an empty lot. The man that called me today regarding my payment said that they make mistakes but not his department he just wants my payment, problems go to a different dept. I have copies of the discussion and e-mails regarding all this. This appraisal shows 1377 sq. ft. in spite of all the info they have regarding this it still has not been corrected.? How many people have been foreclosed on when maybe they had a way to save their property, especially if there was a mistake in their mortgage? We expected this to be fixed to both of our satisfactions before now, it wouldn't have been that difficult to do, but we were never contacted QL just let it go. This mortgage would never been valid. Contracts aren't supposed to contain major mistakes. Current e-mails are available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: CITIBANK, N.A.
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:
This is the second complaint I have filed. Your company sent a inquiry to Citibank and their response has been to go back and other fraudulant charges made by the same establishment apply back to my card after they initially removed them from what I owed. They tacked on charges of approximately 12000 dollars that a bar ( XXXX XXXX   ) charged me when I never purchased anything near the amounts they charge me. I sit there and drink beer there is no possible way I worked a bill to the amounts of XXXX. Its insane and others have complained on reporting sites. Citibanks justification for charging me the fees is that I admitted to being present at this establishment. That in no way means I racked up that much in a bill. The bar is run by gangsters and no one is stopping them from over charging and not having he customer sign for their bill. I need someones help. I have this card for many years and this is the only time ever I have filed a fraud case.

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 2018-03-20
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Real Time Solutions is reporting currently past due and like a foreclosure. I have never had a mortgage with this company, only XXXX XXXX XXXX and those were all paid out through the sale of the home in XX/XX/XXXX. I have no idea who this company is and why they are reporting. I demand proof of documentation I signed regarding this!

This is showing very old also from XX/XX/XXXX and would be past the statute of limitations as well.

.

Also all my info is on the attached credit report because I have NO address to list with this mortgage because I don't know who they are! So they better not try to stall and say they can not locate me without a property address. Use my social and date of both on the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Experian Information Solutions 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:
Experian, your company is violating my rights. This debt XXXX is past the statute, I have requested many times validation and NOTHING is ever sent. How is your company validating this? 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This account is for a vehicle that was repossessed by Wells Fargo Dealer Services in XX/XX/2016. I believe it should be included in the Wells Fargo settlement for improperly charged insurance and repossession. The information listed on all credit reports is incorrect and even after multiple disputes and requests for verification, the information remains on my report, causing financial damage. The payment history is incorrect, and the payment amount is not only incorrect ( I was overcharged ), but it should not be listed on this charged off account. This vehicle never should have been repossessed. I did not receive notice before or after the repossession. Proper steps were not taken. Wells Fargo is reporting inaccurate and inconsistent information to all three bureaus, yet it remains.

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 2017-11-28
Company: Experian Information Solutions Inc.
State: OK
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 have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XXXX XXXX, XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment

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 2019-04-25
Company: John C. Heath, Attorney at Law, PLLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I called to inquire about services. The agent was pushy and tricky on the call. I was held up for approximately 30 minutes and needed to go. He was pressuring me to agree to documents I hadn't read. I wasn't in agreement, and won't and don't agree to that. I was also charged XXXX. Then today on XX/XX/2019 I received another forceful email pressuring me to agree online. I still don't. They keep telling me on the phone that I must consent to the agreement in writing before they can or will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i have submitted the dispute documents but still no answer from the credit companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX {$11000.00} 52 % paid off 8 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Auto Loan Balance Loan Amount {$11000.00} {$23000.00} Payment Info Status Current, was past due 60 days Updated on XXXX XXXX, XXXX Past due amount - Original loan amount {$23000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 87 % of your payments on time for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Joint Account Terms 86 Months Company sold - Original creditor - Comments Student loan - payment deferred Your statements XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX  XXXX {$24000.00} 3 % paid off XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX. XXXX. 
{$1100.00} 0 % paid off Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} {$1100.00} Payment Info Original loan amount {$1100.00} Balance {$1100.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, MAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$530.00} 0 % paid off print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute

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