BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
Of the three credit bureaus, Equifax is the ONLY one that won't send me credit report online but has no explanation on why. I am not going to mail NPI data to them to get it by mail. I suspect the questions they ask don't have the right answers because I know my situation -- my mortgage was paid off in XXXX, I have no car loans, and only one credit card that I use on a regular basis ( a couple more that are less frequently used ). I've lived in the same house since XXXX, and only one other place from XXXX. So most of the answers to their questions they included are 'not applicable. ' I thought about trying to call the number on their website, but a reverse phone lookup did not indicate that it was really for Equifax ( one told me it was for a jail in Geogia, another to an individual there, and same phone number can not be for multiple places. ) I was unable to find a way to contact them online. 

Here is the response I got today when trying to get updated credit report, and something similar happened the last time I tried. 
Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I know at least one reporting service has me linked to an XXXX XXXX, KS, address where I never lived ( my ex-husband moved there with his girlfriend back in the XXXX though ). I have at least learned enough to be able to answer that question 'correctly ' according to what they apparently have for me in XXXX XXXX , even though it is WRONG! And annoying to have it show up for verification every so often.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern : This is my second request to remove accounts in my credit that do not belong to me, credit accounts that are not mine and I didn't have any knowledge of, I found out that a report with the FTC and police report has to be file. So I'd like to ask for you help to resolve this issue and restore my credit reputation. 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 explanation
Consumer complaint received 2020-09-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
The present complaint is to report to CHASE BANK for violating the consumer financial protection law so me. On XX/XX/2020, I was the victim of an online scam, in XXXX {$22000.00} for the purchase of a truck with the money received from the XXXX loan. The announcement of the alleged seller was XXXX I contacted the saleswoman named XXXX XXXX to make the truck purchase deal. She informed me that the transaction would have to be made through the company HQ secure logistics. This company sent me your bank information to make a wire transfer which made it on XX/XX/2020 during the morning for a total of XXXX. That morning I got a call from Chase bank in English which I didn't understand much and didn't hear well. I only understood if I had made a transaction and told him that if when I finish the call I decide to call Chase bank to give have the transaction since I began to suspect that I was being scamming. This all took less than an hour. Chase Bank didn't help me get my money back. I'm telling you that I suspect a scam will cancel the transaction which was still pending and refund my money, which they didn't do. They didn't protect my money, they didn't cancel the transaction when I asked for them the same day. 
Every day I call Chase Bank. I'm waiting hours on the phone to help me get the money back which was stolen from me through a scam. I went in person to Chase 's bank in XXXX XXXX and only got a claim number JPM XXXX XXXX. Make a complaint with XXXX XXXX police to report the theft by scam the complaint number is XXXX and the officer in charge is XXXX. This whole situation has me very XXXX XXXX XXXX  and with XXXX. I haven't been able to work because of this situation in 11 days. I got that money for a loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-11
Company: EQUIFAX, INC.
State: KY
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 advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me. Equifax has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had fraud on my student loan over XXXX. Sallie Mae held the loan. Navient bought it. Monies dispersed to a college I never attended in another county. College shut down and Ive contacted Navient fraud over 20 times, no resolve. They say since it happened before they bought the loan they arent responsible. I called FBI, etc and they did paperwork. I was sent notice from XXXX  DC about my identity being compromised. Still no resolve and interest is growing. I need this issue resolved its been over 6 years trying to get someone to take responsibility. 

Navient also automatically defers and adds feed and compound interest without permission they just send notice of what they did to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing XXXX  credit bureaus. According to account XXXX XXXX continues to furnish a series of accounts which includes negative reporting in continuation of depleting creditworthiness along with possibilities of extending lines of 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 2020-09-11
Company: Experian Information Solutions Inc.
State: DE
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:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX   XXXX, DEPT OF ED/XXXX XXXXXXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-07-24
Company: CL Holdings LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX is in blatant violation of the law in their attempt to re-age an alleged debt that they claim we owe XXXX XXXX. We have not established any agreements which would allow XXXX XXXX to report that the {$390.00} debt was established on XX/XX/2018. We fully dispute this amount and would like verifiable PROOF that this amount is owed. If proof can't be provided that this debt is valid, we want all remarks removed from the CRA 's databases. Re-aging debt is a clear violation of the law and I intend to seek legal recourse for damages resulting from XXXX XXXX 's actions unless we find a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-28
Company: Paypal Holdings, Inc
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is against 2 companies : XXXX XXXX XXXX ( XXXX, NY ) & XXXX XXXX ( XXXX, DE ). 

I, XXXX XXXX, received a letter dated XX/XX/XXXX from XXXX XXXX indicating I owed a balance of {$3300.00} that had gone into collection from PayPal , Inc . Since I have never had an account with PayPal, I filed a complaint with the XXXX  and XXXX XXXX quickly indicated that no debt was owed. I did not take it to the CFPB at that time since they fixed it. 

However today, XX/XX/XXXX, my wife, XXXX XXXX, received the exact same letter in the mail only it is for the amount of {$1400.00}. She just disputed it to the XXXX  on her behalf to hopefully have that balance removed as well. 

If you go to the internet and search up this company, the first XXXX auto-search shows " Paypal scam '' so obviously this is a real problem. Their mailing address on both of the letters say : XXXX XXXX XXXX XXXX, TX XXXX That address on XXXX XXXX  looks like a shack in the middle of nowhere. 

The second complaint is against XXXX XXXX as I, XXXX XXXX, received a collection notice for PayPal in the amount of {$46.00}. Coincidentally, that letter is also dated XX/XX/XXXX just as my wife 's was dated. Both of these were sent to our home address. 

If you XXXX XXXX XXXX, a similar auto-result shows up indicating " PayPal Scam ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-12
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approved for a loss mitigation reduction loan..I went thru the trial period for 3 months. After 6 months of on time payments, the mortgage company called and said that I have a second mortgage so would have to take back the loss mitigation process. The second loan was processed about 15 years ago. I have been trying to contact the second loan company in which at that time was XXXX XXXX. At this point that office is not open for business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: ID Analytics, Inc.
State: OK
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:
I went to purchase a vehicle on XX/XX/2020 and my credit was ran for financing, only I was denied by a credit reporting company that I have never heard of, can't reach, yet they have my personal credit information. I was financed by another company, but the fact that a " credit bureau '' I have never heard of, rated my credit, and denied me based on an arbitrary and unknown formula is not how I trust to conduct business. Never in my life have I heard of SageStream LLC and I have NEVER given permission that wasn't XXXX, XXXX, and XXXX. We do NOT need a 4th " credit bureau '' especially one that can not be reached or allow you to do anything online. This type of shady behavior is not what I  agreed to when having my credit " ran ''. An unofficial credit company should not be able to access my personal financial information, especially when the parent company is XXXX and XXXX XXXX ( a computer virus protection software company ).  How do I know my information isn't being shared between these companies to track me or my activities? I do not trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Reference : # XXXX So between XX/XX/XXXX, 2022-Sept XXXX, 2022. I have contacted XXXX everyday due to fraudulent activity on account. XXXX refund me all the items except the the XXXX XXXX. I never order. XXXX have refused to refund me my money. In the process of these orders, my phone was change to a number that didn't belong to me. The preferred method was also change ; which was me. On XXXX XXXX, 2022. XXXX decided to canceled me XXXX account information out of there system. I submitted the unauthorized activity link multiple times and they claim it's valid. The address on XXXX XXXX wasn't my address. Lastly, I filed a police like XXXX advised and they now don't want it. I contacted Capitalone bout unauthorized used on my debit card. The refused to credit me my money back to. account even with Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: BlueChip Financial
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have become a victim of harassment and intimidation tactics by XXXX XXXX in an attempt to collect debt on XXXX XXXX. For over a year, I have received over 30 calls a day with threats to have me arrested for theft, threats to call my job, threats to come to my job sue me, and many other things that have caused me to spiral into XXXX. And causes me stress. I am unable to maintain my focus where it's needed as they call every hour on the hour. Yelling and using inappropriate language with every phone call to the point where arguments have ensued. I have asked them not to contact me as much as they do. I have tried to make arrangements, however, their intention is not to come to an agreement, but to collect the entire debt. The person 's placing this call have even gone so far as to threaten to post information about me on social media. I have already signed up for the DO NOT CALL registry and they still contact me. They are very unprofessional and disrespectful. Please, have them to stop calling me. It is to the point where I would like to sue them for this behavior. I have proof in my call records as well as phone recordings. Attached is a snapshot of the latest calls, as I have been deleting them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
impossible to temporarily lift freeze on credit report in timely manner on line or over the phone. numerous attempts most recently today XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2022-10-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-02-13
Company: Experian Information Solutions Inc.
State: NC
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:
Dear Credit Reporting Agency, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely.

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 2021-05-19
Company: United Shore Financial Services, LLC
State: WA
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:
UWM has since responded, but did not do the proper diligence to confirm whether they had made a mistake on their end. I have pasted the original complaint below. I have also attached the XX/XX/2021 response to XXXX XXXX at UWM, as well as my response to his note, which confirms the mistakes that UWM made on their end with regards to processing my multiple payment attempts. 

Please note that in the midst of this, UWM completely changed their online system, and as a customer, I had to re-create my login completely - with no warning. 

Original complaint XXXX " I opened a new mortgage in XX/XX/2021, and since XXXX, I have tried to pay my mortgage electronically with UWM now THREE times, across 2 separate checking accounts with national banks ( XXXX and XXXX XXXX XXXX XXXX. They continue to say that my banks are rejecting the payments, yet the banks have NO record of UWM even attempting to withdraw the amount. I am now incurring late fees, and they have sent me to collections. I am perfectly happy to pay - but I can't seem to do this. ''

Company response to consumer: Closed with explanation