BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-19
Company: Experian Information Solutions Inc.
State: NV
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:
experian has not responded to the dispute time frame and has eronious info on my credit reports and my iquiries count has not been current according to the dispute time frame?

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 2021-03-26
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: Information belongs to someone else

Complaint:
I recently pull my credit through free annual credit and notice a few fraudulent accounts and credit inquires on my report. I call the credit bureaus to inform them about the fraudulent accounts. They told me I needed an FTC report. I sent in the document via mail and call 2 weeks later and they told me they didn't receive anything. I am frustrated and tired because they are reporting fraudulent accounts on my 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 explanation
Consumer complaint received 2020-11-22
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 found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.

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 2023-09-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Convergent Resources, Inc.
State: MN
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:
Convergence outsourcing pulled my credit without authorization and while I had a freeze on and XXXX  let 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 2019-09-26
Company: The Law Offices of Gerald E Moore & Associates, PC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trying to settle. When I called in XX/XX/XXXX attorney said the amount is {$1000.00}, I called again in two days ago now the attorney is saying {$1200.00}. Is it suppose to change amount on a monthly basis? 
I need to settle ASAP to obtain me an apartment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. The following items do not belong to me and is a result of fraud that I did not authorize XXXX XXXX  ACCOUNT OPENED XX/XX/2015 {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX NEED TO REMOVE THE ACCOUNT IN MY CFREDIT REPORT. ITS MORE THAN SEVEN YEARS, INSTED THEY REPORTED LIKE A NEW ACCUNT TO EQUIFAX. THIS IS AN ILEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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 have been disputing the following accounts with XXXX, Equifax and XXXX for almost 6 months now. 

Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX XXXX ( I asked them to verify that I was ever late on this account ) They failed to provide with this information as well as how did they come to the conclusion of ( account has been verified ) Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX I have contact XXXX myself and ask them to validate this account to be mines via mail. The company responded that in fact the debt has been sold to a company by the name of XXXX XXXX. I have written letters that I sent out of this proof and the bureau is still reporting this unverified and incorrect information. 

How have you properly verfied this information and it has been sold to another company that isn't even being reported or has any information on me? 

Source : XXXX  Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX I asked them to verify the account that I was ever late. It came back verified. I ask for a reinvestigation and what supportive documents did they see to come to this conclusion. They responded by ( the account has been updated ) Source : XXXX  Date Submitted : XX/XX/2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX SIMPLE I ask for a reinvestigation and to see supportive documents that proves this is my account and that I was ever late. ( They did not ) They responded with account updated Source : XXXX  Date Submitted : XXXX XXXX, 2022 Estimated Resolution Date : XX/XX/2022 Report Number : XXXX Court Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX Type of Record : Bankruptcy Reference Number : XXXX XXXX has deleted this invalid information from their system because it can not be properly verified. The bureaus ' verify Bankruptcy information through XXXX and this should have been deleted once XXXX proved that this item was unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Io, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection agency has been reporting wrongful debt to credit agencies since XX/XX/XXXX. 
As a XXXX member, I was billed directly by XXXX XXXX. XXXX XXXX never billed my medical insurance in which I was covered. XXXX XXXX  attempted to collect the debt through third party collection agency. In XX/XX/XXXX, I contacted all parties involved to explain the situation. I have repeatedly disputed the accusations of the collection agency but they still continue to report negatively to the credit agencies. I have called the collection agency multiple times, with no response from them at all. In XX/XX/XXXX. I sent two official certified debt validation letters that they did not respond to. As of today they are still reporting negatively to the credit agencies. 

Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
State: AR
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:
My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify  accurate information these accounts must be removed in accordance to the law.

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 2023-07-26
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shell Point mortgage servicing is servicing my mortgage. I wish to pay it off 5 years early. However, they refuse to give me the correct payoff as per the contract. And expect me to pay all interest for entirety of loan no matter when I paid off. This was a 30 year Fixed rate mortgage with no prepayment penalties. They are basically telling me to XXXX them. Which will cost me more than XXXX they are trying to steal from me. I believe this is extortion and should be investigated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I went to send money to my brother in XXXX on XX/XX/XXXX, I paid everything for him to get money the same day. After 2 days my brother went to pick up the money 2 times and they said the money is not transfer yet. I called western union to ask them and I spoke with someone and he said he needs some information from me he started asking me questions and I responded to all the questions, he said my brother can go now pick up the money with the same Tran king number. My brother went agin they said there is no money transfer. I called again on XX/XX/XXXX to ask what happened and someone told me I cant send money and receive money with western union no more I asked why they said to go online. For me after many years I always send or receive money with western union I felt is not fair and I was not the way they should traits consumers. Iam so disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Peer Advisors, LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I completed our reverse mortgage on our home in XXXX of XXXX. 
We have paid all of our property taxes and home insurance. 
In XXXX of XXXX our home burned down in a fire. We notified the Insurance Company right away. We notified the Mortgage Company, were connected with their Loss Draft department, filed all of our information with them and were told that the next step was to send in the Insurance payment, plans for the rebuilding, information on the company performing the rebuild, etc. 
DUE TO COVID 19 we did not receive permits and plan approvals from our city until XX/XX/XXXX. 
In late XXXX, XXXX we mailed in our Annual Occupancy Certificate ( after asking the company how we should explain not living in the home because of the fire ). The company sent us a Certified letter on XX/XX/XXXX stating that they never received our Occupancy Cert., sent out an inspector, determined that the home was abandoned and that our mortgage was now DUE AND PAYABLE. I called the next day and was told that due to the circumstances they would give us a VERBAL extension of six months. Since then I have called several times and been given NO concrete notice that our home is safe. 
We are asking for your help and protection as we feel we are in a potentially dangerous situation and this has certainly been a massive hardship on us. We are foster parenting our grandchildren and dealing with the pandemic making it very difficult to deal with our part time business and the construction company that is finally trying to get the demolition and rebuilding process started.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019 XXXX XXXX XXXX an employee of Javitch Block LLC filed a civil court case IN THE XXXX COUNTY MUNICIPAL COURT IN XXXX COUNTY OHIO. JAVITCH BLOCK LLC is a debt collector and per their website ( XXXX XXXX XXXX ). XXXX XXXX XXXX mis-represented her self and company as an attorney for a company XXXX XXXX XXXX XXXX, when in fact their main activity is debt collection because principal purpose of Javitch Block LLC qualified him as a debt collector.

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 2020-05-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent over 5 letters to Equifax, XXXX, and XXXX - according to my understanding of the FCRA. Credit reporting agencies can verify bankruptcies through 3rd parties ; yet, they seem to be allowed to get away with this on a regular basis. Not to mention the inaccuracies associated with bankruptcy reporting down to the name, courthouse name, balance, liabilities, and even docket numbers. All three of my credit reports show inconsistent information and inaccurate information. I contacted my local court and they told me - they do not verify bankruptcies with third parties. With that being said - this is a violation of the FCRA. The CRA must verify all information directly from the furnisher of that information and not a third-party. The courthouse has stated to me in writing they did not and was not the furnisher of this information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: First Data Corporation
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving calls from TRS consumer services asking about debt I have outstanding. I do not have any debt outstanding - I checked my credit report to make sure ... I was finally able to get on phone with them.. if you dont pick up when they call, there is no way to speak to a person if you call them. Their website says in order to make an INQUIRY, one must send in their drivers license and bank account information, which I find to be absurd. When I finally picked up when they called, they were not able to give me any other information that linked me to the debt - they said there was a check that was submitted under my name in Texas on XX/XX/XXXX ( I was actually out of the country at this time ) and that my address is in Massachusetts ( my phone number is from XXXX, but I do not live there ) and it was checks that was submitted to a casino. All in all, they told me that I can give a call to " Telecheck '' which is who they are trying to collect for - which seems very strange given that Telecheck and TRS Consumer Services are both a " FirstData '' company, whatever that means. They told me to contact Telecheck to get my name removed. So I called. They asked for my bank routing, social security, and drivers license number. ( I dont even have a drivers license number ) I said I will not give you those information, I just need to remove myself from getting calls every week - and they refused to do so without my information. I see many scam allegations on google on these two companies - anything we can do to remove from their websites asking people to send in bank account / routing / social security info? / My theory is they keep calling numbers, leaving voicemails and people call back, and cant get in touch with anyone, so they go to this website and up giving away their precious personal information away. They NEED to be stopped. I also got another debt collector call from the below number XXXX recently, who said they had some guy 's name under the account and they removed me right away. Still makes me nervous that this TRS / Telecheck company is selling people 's info to other fraudulent companies.. Thank you for helping!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: CCS Financial Services, Inc.
State: AR
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:
My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, Credit Collection Service, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: NC
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 complained numerous times by phone to equifax to the following : 1. Unable to get my credit report or score from the online equifax portal. See attached. Keeps giving me an error that it cant give me info at that time upon logging in with my credentials.

2. When I was able to at access the report section one day my score has dropped Over 100 points for no reason and two days later it rose over 100 points making my score XXXX  to any creditors checking my credit. I noticed today it has dropped over 100 points again for no proper reason and the last time I complained over the phone with equifax they said it was a coding problem and this is damaging me everyday it the improper broadcasting of an improper credit score damaging me for credit when seen my my creditors and credit applications I submitted within this period. 

This is appalling!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX 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