BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
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:
The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information n there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from XXXX and Equifax stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on Equifax and XXXX, there's a XXXX XXXX ( Equifax ) and XXXX  ( XXXX ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
Equifax is reporting a XXXX acct and that acct also does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
MY LOANS HAVE BEEN IN FOREBEARANCE OR DEFERMENTS FOR A VERY LONG TIME. THEY ARE REPORTING ON MY CREDIT REPORT AS LATE. I AM ASKING FOR THEM TO MOVE ALL THE LATE PAYMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying since XXXX XXXX, 2019 to get the second disbursement of my NFIP flood claim funds. My contractor is out of money and we are trying to get back in our home which was destroyed by Hurricane Florence. 
My loan number is XXXX and tracking number XXXX. 
The company is PennyMac, XXXX XXXX XXXX, XXXX XXXX, Ca. 
XXXX and XXXX www.pennymacusa.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the letters and FTC report that was sent on XX/XX/2021 which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong 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 non-monetary relief
Consumer complaint received 2018-03-26
Company: American Financial Resources, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XX/XX/XXXX I stopped receiving my monthly mortgage statement. I called in XX/XX/XXXX to have statements emailed to me. Never happened. I have called every month since ( 5 months ) and promised it would happen but nothing changes. I asked two months ago to go back to mailing the statement. Nothing changed. XX/XX/XXXX I called to talked to a supervisor or manager but none were available. I cOmpromised I would get a call either that day or the next business day. No phone call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: AMERICAN EXPRESS COMPANY
State: IN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX I had over 100 thousand dollars in Fraud on several XXXX accounts. Every other company fixed this. however American Express has dragged this on despite me calling and complain every three days. I have a XXXX XXXX dollar limit and they approved XXXX XXXX dollars in charges. I pay XXXX in good faith since XXXX and they told me the other day they dont even have a case pending. I spoke to a supervisor who said they would work with me and call and no one has. I just got a email my case is closed again. They allowed all of these charges despite being fraud and are continuing to pile on interest and late fees. In one day alone they allowed over 5 thousand dollars in XXXX charges. They keep telling me different things like it is being looked at and then I get a late fee.. They say dont worry about paying that but nothing has been resolved. I really do not know who to turn to any longer. I have tried to be cordial and work with them. They have no idea what they are doing Ask for the chat and call logs they have it will explain everything in detail they have been saying. It wont let me send it but I have the chat logs

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
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: Account information incorrect

Complaint:
XXXX XXXX reported that I opened a credit card account XX/XX/XXXX with XXXX stating that I owe XXXX. They then reported to XXXX and Transunion that the account was opened XXXX and that I owe XXXX. Ive sent out letters reaching out to them since XX/XX/XXXX and they have no corrected and removed these fraudulent reports from my account.

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 2018-01-16
Company: SYNCHRONY FINANCIAL
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a call from customer service at TJX Rewards Card/XXXX XXXX to confirm some charges on my account, and after speaking with him I realized there were quite a few fraudulent charges on my account, and he removed the charges and issued another credit card to me. I also had to submit a fraud claim and the fraud claim was denied as the bank said I benefitted from the charges, which is not true. I wrote the company a couple of times. I requested back up of these charges because I wanted to check the signature. The signatures do not match. Coincidentally, a fraudulent credit card ring was captured in my area not too long after the charges were made and they were housed in the area in which some of the charges were made. I 've closed the account and I wish to pay XXXX XXXX for the charges that I made, not these fraudulent charges. I have quite a few credit card accounts, and have no reason to make fraudulent charges. I would like the fraudulent charges removed from account as well as interest associated with those charges. I would like to know what my final bill is and pay it off immediately.

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 2021-11-23
Company: EQUIFAX, INC.
State: CT
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:
Please be advised this is my XXXX  WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your the credit bureaus first investigation, They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Item is XXXX XXXX XXXX # XXXX Eastern Account System # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
My credit sore is XXXX and I have one or 2 things in collection every time I run my credit or apply for something I get turned down They say because Derogatory inquiries in serious delinquency

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: TX
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:
Equifax Credit reporting has made the ONLINE process fo disputing incorrect reporting from our credit reports extremely complicated. I as well as friends and family, some of the same household are getting security questions that are " supposedly '' on our credit reports that are not actually on there. If we select " none of the above '' to the questions, we are being referred to mail in our dispute which takes several weeks or make the consumer less likely to proceed with filing the dispute. 

The problem is that we ARE able to access the same Equifax credit reporting if we use a 3rd party site, even by using XXXX or XXXX who actually displays the CORRECT security questions. We have also verified from the reports that the questions Equifax is asking are not on our Equifax reports. But we are not able to dispute as it has to be done directly thru Equifax. We are not experiencing any problem with disputes from XXXX OR XXXX. We have tried at different times to dispute with Equifax but they continue to display misleading security questions with records that are not even showing on our credit reports. We do understand that some of the questions are " trick '' questions. However, NONE of the 4 questions listed are on our reports, and when we select " None of the above '' it refers us to mail in our dispute. No one has the time to mail in a dispute and wait several weeks for a response on something that is extremely urgent in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
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:
Certified Mailed dispute letters disputing accounts with Transunion 3 different times.They are verifying the accounts are accurate. I called them and asked how they were verifying and they told me the creditors verified by my name and a address. I then asked are they not to verify all things they report on my credit report as accurate and that it is mine by validating proof such as an original signed contract with original creditors according to THE FCRA Section 609 ( a ) ( 1 ) ( A ). She said that is true. I then asked then why aren't you all doing that. She stated that Transunion does not have to verify anything and that I needed to contact the creditors. I told her that I was writing this down and asked if Transunion validated my debt with the creditors by seeing if the creditors had an original signed contract with my signature on it. She said no they did not. I reminded her of the FCRA section 609 and section 611 and asked if they were going to continue to ignore it by violating the federal law. She chose to not comment. I have attempted to solve these problems with Transunion 3 different times to no avail. I only wanted to know if they are accurately validating this debt and that it is accurate and mine, which is the federal law.If they can not verify this information, they are to promptly delete ( FCRA Section 611 ( 5 ) ( A ) ). I am a litigious consumer and fully intend on pursuing litigation. I know the remedies available to me ( FCRA section 616 & 617 ) for failure to comply with the federal 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 explanation
Consumer complaint received 2019-07-18
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: Their investigation did not fix an error on your report

Complaint:
Contacted XXXX and Transunion multiple times concerning XXXX XXXX. 
XXXX stated they investigated claim but never initiated a dispute after stating they were investigating XXXX XXXX. XXXX XXXX admitted that I XXXX XXXX and my wife XXXX XXXX paid of account. XXXX XXXX is reporting false fraudulent information to Trans union and XXXX and the to credit bureaus are allowing it because XXXX XXXX is a paying customer. This will be my last and final warning to XXXX  and Transunion concerning XXXX XXXX or I will be filing suit for violation of FCRa 609 611 612 616 as well as defamation. 
Ive given you time to investigate properly as stated in FCra now Im demanding a deletion. 
XXXX has deleted this account because they actually did a thorough investigation. Please see attached and no response we are lookinh into it no more stall tactics.

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 2021-03-24
Company: EQUIFAX, INC.
State: WI
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 disputing and sending all letters to all 3 bureaus on inaccurate and erroneous information listed on my credit. I have sent in identity theft affidavits and everything to prove and show that I WAS IN XXXX when these cards were opened. I want the XXXX  XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX ( WENT TO COURT AND THE COURT DISMISSED THESE DEBTS AGAINST ME HOW ARE YOU STILL REPORTING THEM ON MY CREDIT!! ), a bankruptcy as well that they have refused to show me any signed documentation on and I pointed out at least 5 inaccuracies on the listing of it, and XXXX DEPT ED ( a debt that was granted forgiveness prior to me going to XXXX  ) REMOVED FROM MY REPORTS. If this does not happen I will file ANOTHER lawsuit against all 3 bureaus WITH a lawyer this time. This is my final attempt to resolve this before I move forward with filing a class action lawsuit. I was told they have my affidavit by a tier 2 manager but their company policies allows them to not accept them. HOW CAN YOU JUST REFUSE TO ACCEPT A LEGAL IDENTITY THEFT AFFIDAVIT? They need to immediately remove this stuff from my credit report. XXXX XXXX, XXXX XXXX XXXX, the two XXXX  XXXX accounts, XXXX  account, XXXX/XXXX  and the bankruptcy need to be removed immediately for ID theft, false reporting, inaccurate reporting, and FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: Experian Information Solutions 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 recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX  XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX ACCOUNT XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for XXXX or agent of XXXX to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no E-Oscar system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.

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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 a accordance with the fair credit reporting act XXXX  account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not
communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX 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
Consumer complaint received 2019-08-31
Company: Account Services Collections, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, Last XX/XX/XXXX Account Services Collections , Inc left a voice message in my personal cell phone asking me to contact them regarding a debt. A few days later ( a week or two ) I called back. A woman picked up the phone and after confirming my old address -from 2 years ago- and my current address, she informed me that I had been called by mistake regarding an old account. 

That made sense to me, as I had not received any debt validation letter, as they are obliged to within 30 days of starting collections, and I do not recall having ever provided consent to receive phone calls from Account Services ( or provided them my phone number ). This is because I share the phone, with my wife, who has access to my voice messages, and after she heard the message, she got seriously concerned and harassed me with questions. 

Today, XX/XX/XXXX I received a notification from XXXX that my credit score substantially dropped. As Im currently in the process of buying a car, Ive been monitoring it closely. When I pulled my credit to check it, I was outraged to discover that Account Services has reported a medical debt that Ive never heard about ( not even when I called them! ). 

This company should definitely get closed. I already had problems in the past with them for inexistent or inaccurate accounts. They have made me lose time and money, caused me public embarrassment, and huge distress.

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