BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-02
Company: Smith, Cohen & Rosenberg LLC
State: AZ
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:
1. I previously disputed this account on my credit report on XX/XX/XXXX, as a result the company SCR solutions responded with a judgement by confession, and not the documentation required. 

2. Although the company did not produce the proper FCRA validation documents to validate the account CFPB still closed the the complaint. 

3. On XX/XX/XXXX I received an email from XXXX XXXX, with the judgment of confession paperwork and a narrative stating that they had communicated with me before about this account and that I did know about the account. ( email and time stamp attached ). 

4. I immediately on XX/XX/XXXX responded to XXXX XXXX XXXX email and explained that I was not disputing having knowledge of the account, but that I was instead asking for validation of the accurate information involving the account. ( Email and Time stamp are attached ) Email read : On Wed, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX wrote : XXXX XXXX, ( XXXX XXXX XXXX ) We have received your attempt to again try to dispute or claim you have no knowledge of this debt. 

( XXXX XXXX ) Dispute was that the information you are reporting on my credit report is incorrect. I did not dispute not having knowledge of account. 
You again have not responded to my request for information on : WHY DOES THE DATE OF LAST ACTIVITY KEEP CHANGING EVERY MONTH? WHY ARE YOU RE-AGING THIS ACCOUNT? 

( XXXX XXXX XXXX ) This judgment has been sent to you many times. 

( XXXX XXXX ) What is the statute of Limitations for the confession of Judgement? 

The judgement you sent has a different name on the account, please send me the following : 1. The original contract?

2. Your authorization to collect on behalf of the entity listed in the document you sent in the state of Arizona? 
3. Account information showing the correct Balance? 


( XXXX XXXX XXXX ) You have spoken to 3 different people here and always seem to go back into your hole once we reach out. 

( XXXX XXXX ) I hope that isn't a XXXX reference, very disappointing ... ... 

( XXXX XXXX ) If you want to resolve this and get it off your credit, then please reach out. Otherwise, please stop trying to dispute something that you are well aware that you owe. 

( XXXX XXXX ) I intend to resolve this matter, please provide the information requested. 

5. I have not heard back from SCR solution since I emailed them on XX/XX/XXXX. 
Today is XX/XX/XXXX. XXXX which is over the 30 day response time and being that the correspondence was over email THEY RECEIVED MY REQUEST! 

6. This company : -Has not responded in the 30 day window -Has not provided account validation information I ave requested

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company responded to my complaint, and responded that this account was no longer valid and removed.

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 2022-09-03
Company: EQUIFAX, INC.
State: CO
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:
Provided login to myequifax.com - worked when established. Working with Customer service has been a waste of time. I can NOT login anymore. Tried many variations, browsers, cookies and my XXXX. Noting works anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax security breach, I am still unable to freeze my credit reports due to high volume on the online services as well as by phone. Additionally, these services will cost me personally when I need to lift the freeze, which is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TD BANK US HOLDING COMPANY
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:
In accordance with the fair credit Reporting act this company has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U. S. C 1681c ( a ) ( 5 ) States a consumer reporting agency may not make any consumer report containing any adverse items of information other than records of convictions of crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good day, I recently checked my credit report and I noticed several inaccurate items. I did my research on how the government/credit bureaus suggest I file my dispute. After going through the necessary steps I filed the dispute on XX/XX/XXXX and to this date XX/XX/XXXX I have not heard anything back from each bureau. I made them aware I just found out my information was compromised in the XX/XX/XXXXdata breach. At this point Im afraid my information may have fallen into the wrong hands without my knowledge.

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 2020-11-28
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Equifax hack has made my families personal information available to the dark web. Equifax hack check indicates 3 in my family " potentially '' have had our info stolen. From numerous articles it was indicated putting a freeze on our accounts, on all four services ( XXXX, Equifax, XXXX XXXX XXXX ), is the best thing to do. From my understanding if your information was stolen, there should be no fee for the freeze. XXXX and XXXX charged me {$10.00} each to put a freeze on and they indicate we could be charged {$10.00} for each freeze / unfreeze. 

1 ) I want Equifax to refund these fees as their hack is not my fault.
2 ) I want FREE credit monitoring from Equifax for life for everyone in my family 3 ) I want not fees to unfreeze and refreeze my accounts.
4 ) Equifax execs need to go to jail for insider trading as they sold stock after the hack and before they informed the public

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX I called credit acceptance company and told them I couldnt make payments anymore and they could come repossess the vehicle. I let them know I was relocating out of state in XXXX and would like it taken care of by then. I made multiple calls back in between XXXX to XXXX for them to pick up the vehicle. On XX/XX/XXXX I received a confirmation call the the vehicle had been reposted from the driveway of my old home. I had already moved at this point. My credit report was updated the following month showing it as a closed settled account. It sat there as a closed settled account until XX/XX/XXXX when it randomly showed up as an active loan with missed payments on my credit report. I have contacted the company and they are now stating they we never repossessed the car. They claim it never showed as settled. This is incredibly frustrating and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Access my account and was breached

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 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Initial letter sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " XXXX '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.

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 2021-03-04
Company: CITIZENS FINANCIAL GROUP, 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:
Borrower has made all timely payments required under its Note Agreement. Lender believes additional amounts are owed without any support. Have been unable to communicate directly with the Lender to cure this situation. Lender has reported delinquency on the credit report which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: CW Financial
State: IA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This company has threatened to take my XXXX check for a account I do not owe. They have changed the date of the transaction from XXXX to XXXX. I believe this is a scam and it's affecting my credit.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-24
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sent a check to them via usps priority mail. It was then picked up by XXXX XXXX at XXXX according to the post office records. I called on Monday to ask if they can just confirm they did receive it : the agent XXXX told me he could not check and I would have to just wait if they got it before XXXX PST it would be processed same day if not the next! I called again XX/XX/18 and spoke to XXXX who then looked in the ledger this time and said he did not see it was inputted meaning they have not started processing it nor could anyone confirm they have it but havent got to it. Since the value of the check was over XXXX I wanted to make sure someone from their company did indeed pick it up but he said that was not possible. I then sent two support emails asking for a follow up to which both were closed without any follow up. I now have no clue what is going on, when my check will be processed or if their team even has it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
dates : XX/XX/2019 amounts : {$400.00} actions : contacted the city bank consumer service, then contacted the banker and followed the new instructions they showed to me. Then contacted the banker, but didn't reply to me for two weeks. And contacted the consumer service, still didn't explain to 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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help 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 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Credit Bureau has not adjusted my account with XXXX XXXX as paid and current and there is no balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX -XXXX  # XXXX -XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: WY
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:
In accordance with the Fair Credit Reporting Act Source XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Their investigation did not fix an error on your report

Complaint:
I sent certified letters in to all 3 bureaus beginning on XX/XX/2021 requesting that they remove inaccurate information on my credit reports. My second letter is on the way as well and I have yet to hear anything back from them and it has been 37 days! This misleading and false reporting information is detrimental to my credit health and has caused me great stress which is not good for my well-being. I want these items removed from my credit reports immediately. The following accounts of my concern are 1. XXXX XXXXXXXX XXXX XXXXXXXX ( late payments ) 2. US DEPT OF EDUCATION {$64000.00} ( student loan ) 3. XXXX ( inquiry ) 4. XXXX XXXX  XXXX A {$1200.00} ( charge off ) 5. XXXX XXXX {$1900.00} ( chargeoff ) 6. XXXX XXXX {$1000.00} and {$1000.00} ( collection ) 7. XXXX XXXX XXXX {$1900.00} ( collection ) 8. XXXX XXXX XXXX XXXX ( student loan ) 9. XXXX ( inquiry ) 10. XXXX ( inquiry ) 11. XXXXXXXX XXXX  ( inquiry )

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 2021-11-03
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:
An XXXX Credit Card or ( XXXX XXXX XXXX ) customer service representative suprevisor told me over the phone that Indigo ( XXXX XXXX XXXX ) would be willing to delete the XX/XX/XXXX late credit card payment from my credit report however this was not done. I have been a good client of XXXX Credit card ( XXXX XXXX XXXX ) since XXXX of XXXX. This one late payment in XX/XX/XXXX was done in error and I was told it would be removed. I have tried writing letters to the credit bureaus and XXXX Credit Card ( XXXX XXXX XXXX ) but to no avail.

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 2019-08-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Loan was transferred from XXXX to Mr. Cooper on XX/XX/2019, the loan No. is XXXX, I received a letter from Mr. Cooper that there will be no additional charges and same loan terms and conditions will be applied on this loan and I will get 60 days of grace period to make the payment without any penalties, so why is there a {$15.00} fee addition to my total payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Card was previously added to the XXXX payments center to keep on file for digital purchases. Subscription service was linked to card thru XXXX. Renewal time came around and card had expires as I forgot about the subscription from a year ago. XXXX as punishment issued a ban for any adding of cards to my entire XXXX account. Contacted XXXX. They advised they would not unrestrict it. I find this to be a violation of UDAAP. Having a card reissued for the same card number ( new exp and cvv ) is not an indicator of fraud or money laundering etc. That is a common  practice of a bank to issue a new card with a new exp. I feel XXXX has been unfair and very deceptive about accepting payment and giving support which did not solve any issues.

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