BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX. XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, IN XXXX Dear Sir or Madam : As of XX/XX/2021 TransUnion has displayed several fraudulent accusations assuming I have inquiries made on XXXX, XXXX. XXXX and XXXX. XXXX. XXXX. I am writing to dispute the following information in my credit report file. I have attached documents that shows evidence of it not reported on the other credit bureaus reports. 
the items I dispute on the attached copy of the report I received.The information on XXXX reporting number XXXX is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt.Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, 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 2022-09-06
Company: Experian Information Solutions Inc.
State: SC
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:
ON XX/XX/2022, XXXX, XXXX, AND EXPERIAN CREDIT BUREAUS REPORTED A DELINQUENT MEDICAL BILL TO MY CREDIT REPORT DAMAGING MY CREDIT. THE ACCOUNT NAME XXXX XXXX XXXX REPORTED I OWED {$480.00}. I NEVER SIGNED ANY CONTRACT WITH THIS COMPANY XXXX XXXX XXXX NOR DO I OWE ANY MEDICAL BILLS. I'VE WRITTEN LETTERS TO ALL 3 CREDIT BUREAUS IN AN ATTEMPT TO VALIDATE THE ACCOUNT AND THEY HAVE ALL YET TO RESPOND TO MY REQUEST WITHIN 30 DAYS WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. THEY HAVE NOT EVEN CHANGED THE ACCOUNT STATUS TO BEING IN DISPUTE. GIVEN THAT ALL 3 CREDIT BUREAUS HAVE REPORTED THIS FALSE INFORMATION ON MY CREDIT, ESPECIALLY XXXX WHICH HAS RECENTLY BEEN UNDER FIRE FOR REPORTING FALSE INFORMATION TO SEVERAL CONSUMERS ON THEIR CREDIT REPORTS, THIS INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT REPORT 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 non-monetary relief
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: MO
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:
This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the account, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned account for they were found erroneous and unauthorized. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Account name : XXXX XXXX Account number : XXXX Status : Collection account According to a publication of the Internal Revenue Service, Charge-off or Collection or 1099-C or Cancellation of Debt are regarded as gross or ordinary income.

Thu

s, Charge-off or Collection or 1099-C or Cancellation of Debt, reported on a consumer 's credit report as debt or loss inquired by a business, is fraudulent and inaccurate accounting. As gross or normal income is not reported on the consumer report. Take Mandatory Judicial notice, 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Take Mandatory Judicial notice, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-05-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I recently tried to check my credit report on all 3 car The information that was listed on my credit file has the incorrect birthday And addresses listed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NATIONWIDE RECOVERY would verify the debt. So I took it upon myself to ask NATIONWIDE RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I secured a XXXX XXXX backed loan in XX/XX/2021 to purchase XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX through XXXX XXXX. The loan was quickly purchased by NewRez ( loan # XXXX ). On XXXX, NewRez mistakenly sent an insurance payment from my escrow to someone else 's insurance account due to what they called a data entry error. I have gone through XXXX escalation processes since then to get the money back, and they have still not put it back into my account. The most recent escalation, a " Refund Return Process '' started jointly over the phone by NewRez Customer Support and Insurance departments on XXXX was supposed to have the money back after XXXX business days, which would have been XXXX. The money is still not back as of XXXX. I called back on XXXX, and the agent says they will not be able to put the money back into the account until the money is returned from the account they sent it to by mistake. This seems counterintuitive, as a party that unexpectedly receives money has no incentive to promptly return it. Instead, it is NewRez 's responsibility to return the money out of their own accounts since the money was misappropriated as a result of their data entry error. I need help to get NewRez to return the money that they misappropriated.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-15
Company: Hawk Inc
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am a customer with Lender Loans at XXXX XXXX XXXX in XXXX SC. I fell behind in payments before and they sent my account to the magistrate office and tried to take me to court. But I had to beg my back for a XXXX loan to pay them so they could stop the charges on my. So on XX/XX/XXXX I had to be rushed to hospital for XXXX XXXX due to a XXXX XXXX I had and had to be admitted in for a few days and out of work for a minute. I sent this company a letter explaining my situation to them and ask them kindly to give me a break on the phone calls and the letters sent to me. Cause I am on bed rest and doctors want me to be stress free. And they have not stopped. I ended up putting them in call block to get them to stop on my end. After I don't scrap up XXXX to put towards the loan and stop the charges look like they would close my account. I am a single parent with a serious health issues and trying to live for my kids without debt killing me. I need help with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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 am a victim of identity theft. I submitted my FTC report and my PA license to Experian on XX/XX/2023.

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 2023-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Credit Dispute and Demand for Removal of Unauthorized Items I am writing to formally dispute and request the immediate removal of certain unauthorized items from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). I have provided the necessary details below for your reference : Full Name : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX According to the FCRA, I have the right to request an investigation into any inaccurate or unverifiable information on my credit report. I kindly ask that you remove any items that the respective creditors can not substantiate. As per XXXX U.S.C. Sec. XXXX ( a ), I expect you to complete this reinvestigation within 30 days of receiving this letter. 
Furthermore, I would like to bring to your attention that the following accounts, which were part of my bankruptcy, are still erroneously appearing on my credit report under collections accounts. They should have been removed when my discharge was finalized. I have attached a copy of my bankruptcy documentation for your review : XXXX. Account XXXX XXXX XXXX Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX. Account : XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Account : XXXX XXXX XXXX  Reported on : XX/XX/XXXX Account Number : XXXX XXXX Creditor : XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX I kindly request that you promptly investigate these accounts and remove them from my credit report as they are unauthorized and should not be negatively impacting my credit history. 
I appreciate your attention to this matter and expect a timely resolution. Please provide written confirmation once the necessary corrections have been made to my credit report. 
Thank you for your time and assistance in rectifying this issue. 
Sincerely, 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 2023-04-17
Company: EQUIFAX, INC.
State: CT
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 have been a XXXX  XXXX  customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from XXXX without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that XXXX  has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. XXXX is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to XXXX  and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to XXXX  and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for XXXX  my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made multiple attempts to retrieve documents of a loan file of a line of credit agreement involving XXXX XXXX XXXX XXXX which CHASE informally purchased in XXXX of XXXX. 
In XXXX of XXXX a straw man account made in my personage was created to borrow monies in which the borrower straw man inflated the value of the home, concealed the line of credit loan and benefited from the transaction leaving me with the debt that was informally purchased by CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-02-21
Company: EQUIFAX, INC.
State: NJ
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:
The information is not information relating to any transaction. I am a victim of identity theft and did not make the charge. The item listed should be blocked, removed and suppressed for this is fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/2015 {$7800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reached out to all of the credit card companies to inform them that they should not be reporting my accounts as late. According to 15 US. CODE & 1681a ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term " person '' means any indvidual, partnership, corporation, trust, estate, cooperative, assodiation, government or governmental subdivision or agency, or other entity. 
( c ) The term " consumer '' means an individual. 

( d ) CONSUMER REPORT. 
Of other communication of any information bya consumer reporting ageny bearing on a ( 1 ) INs GENERAL. The term " consumer report '' means any consumer 's credit worthiness,, credit standing,. credit capacity, character, general reputation, personal characteristics, of mode of lving which is used or expected t to be used of collected in whole or in part for the purpose of serving asa a factor in establishing the consumer 's eligitility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) ExcLsions.-Except as provided in paragraph ( 3 ), t
he term " consumer report '' does not include- ( A ) subject to section 16815-3 of this title, any- and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer ( ii ) communication of that information among persons related by common ownership or affiliated corporate control; or ( i ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disciosed to the consumer that the information may be communicated among such persons .and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such personsi.

Finally, according to this law if i.was ever late I paid a late fee. They are not.allowed to.double dip.

I.have asked all.credit bureaus to.update the payment statuses on all credit card accounts to " paying as agreed '' it's 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 explanation
Consumer complaint received 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX billed me {$26.00} per month without my approval, nor authorization to use my card. 
XXXX failed to refund my {$180.00} for an account / program I never authorized. 

Second, XXXX failed to remove inaccurate information : 1 ) XXXX  - I verified accounted has been paid ontime. 
2 ) XXXX XXXX - XXXX has not provided valid and legible documentation, despite three disputes, that Student Loans are 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