BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. DPT ED/XXXX XXXX {$4800.00} XXXX XXXX XXXX  XXXX {$4000.00} XXXX XXXX {$380.00} XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX {$84.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$68000.00} XXXX XXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, INC.
State: SC
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:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies 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 negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 2017-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I use a service called activehour which requires regular transaction updates on my account, many time Bank of American has failed to send those updates or have been sending them late.

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 2019-05-26
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:
I am trying to MANAGE BY MYSELF security freeze online on equifax website. But I'm getting message that additional identification information is needed. From last XXXX (! ), I'm trying to solve it, but the only thing that equifax company is doing : they freez/unfreez credit score. I dont ask them to do it, I'm asking to be able to manage BY MYSELF my freeze online on equifax website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Use of alias names. Not used by me. Someone's error in using my name. 
Repeated information about one account using multiple account numbers. 
Repeated soft inquiries by Auto sales personnel resulting in lowered scores to adversely affect opportunity for purchase at lower cost. Illegal increasing costs.

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 2021-10-06
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We have been harassed by a company -- XXXX XXXX XXXX XXXX  of Maryland who might be located at XXXX XXXX XXXX XXXX XXXX, CO XXXX. They are demanding payment for money we do not owe. They allege that the debt was incurred with Best Buy. Please have them cease and desist.

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 2017-08-10
Company: Experian Information Solutions 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:
I have sent at least three letters to XXXX, Experian, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.

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 2023-01-09
Company: EQUIFAX, INC.
State: IL
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 XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: LoanCare, LLC
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 information incorrect

Complaint:
In XX/XX/XXXX, i submitted a request for mortgage assistance to LoanCare and was advised it was under review. In XXXX XXXX I called and spoke to an agent, XXXX at XXXX and she told me that i was approved for a six month forbearance plan and to not make a XXXX payment and my new payment of XXXX would start in XXXX, XXXX. My loan was current at the time of the call. I paid XXXX on XX/XX/XXXX for my XX/XX/XXXX payment. She said no to make a XXXX payment and in XXXX XXXX i made my new payment and submitted a payment of XXXX. She advised while i was in the forbearance plan there would be no negative credit reporting or late fees. Due to the Covid outbreak the forbearance was extended and on XXXX XXXX I spoke to XXXX at XXXX and she said the forbearance was converted into a Covid forbearance and again assured me there would not be any negative credit reporting. In XX/XX/XXXX i began bringing my account current and by XXXX it was current and on XXXX XXXX I requested the forbearance be cancelled and received and email on XX/XX/XXXX that it was cancelled. On XX/XX/XXXX i pulled my credit report and it shows 11 late payments during that time. I submitted a dispute via the credit reporting agencies and also thru Loancare website. I recd a notification form Loancare stating it was recd. but no resolution. The credit agencies said the sent a dispute and Loancare said the report is correct. Today, XX/XX/XXXX, a spoke to an agent XXXX at XXXX, who said the reporting is correct because i was 30 days past due in XX/XX/XXXX. That is not true, their agent told me not to pay in XXXX. This had ruined my credit and now loancare refuses to repair my credit. These mortgage servicing companies are adding additional stress to homeowners during this stressful times and ruining their credit. I kept notes of everything told to me and now they will not honor the agreement and remove the negative reporting.They also still have me in a forbearance plan even with the email from XX/XX/XXXX advising me that it was cancelled. I am requesting help with repairing my credit and removing the forbearance plan XX/XX/XXXX. Also I repaid the money and my account has been paid in advance for months and they keep sending my documents to complete for a loan modification.These are very deceptive practices. I repaid all monies because they never presented the option of a deferral 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 2020-04-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, 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 STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2017-08-10
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:
I have sent at least three letters to Equifax, XXXX, and XXXX in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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 submitted a dispute to Equifax regarding information being reported in my credit report. 
The dispute was submitted via certified mail and submitted by their records on XX/XX/XXXX and completed on XX/XX/XXXX. I have not received a copy of the results still as of XX/XX/XXXX and they are still reporting the same information without any resolution. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XXXXXX/XX/XXXXAccount # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA in not reporting on my credit file that this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XX/XX/XXXXXXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after dispute the CRA is not reporting on my credit file that this account was disputed. USDOE/GLELSI Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting this account was disputed. XXXX Account # XXXX This account was disputed ( original dispute attached ) with no change or deletion as requested. Not only was there no change after the dispute the CRA is not reporting on my credit file that this account was disputed. The original dispute for said accounts is attached along with a current copy of how each are still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: Freedom Mortgage Company
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My complaint is with Freedom Mortgage reporting me late to the credit bureaus for a late payment in XXXX, 2019. Freedom Mortgage purposefully delayed a refinance process that I already had underway with a new company. Freedom harassed me and solicited me by phone to refinance with them even though I am on the XXXX list. While they made overtures and efforts to retain me and keep my loan with Freedom, they delayed sending a simple payoff statement to the new lender. As a result of their delays, my refinance process with the new lender was delayed. Freedom received full payoff of their loan on the date required by the payoff statement yet they chose to report me late to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Investigation took more than 30 days

Complaint:
I paid {$2900.00} on XX/XX/XXXX and another payment of {$9800.00} on XX/XX/XXXX that were supposed to be adjusted against my principal. 

I have regularly paid all my mortgage payments i.e. {$710.00} through my bank - the mortgage servicing company confirms receipt of my regular mortgage monthly payments including for the month of XX/XX/XXXX. 

However, the mortgage servicing company - XXXX XXXX  XXXX d/b/a Mr. XXXX is ignoring the above-mentioned payments. 

After adjustment of above-mentioned two payments, the adjusted balance to be reported to credit monitoring agencies. But the mortgage servicing company is dilly-dalying and/or ignoring my request for a long period - and also harassing me with letters, although they recently stopped making unwanted/unwarranted phone-calls.

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 2019-08-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Sam's Club advertises a card thru Synchrony Bank offering a return of 5% on gas purchases, 3% on travel and 1% on everything else. I called and made sure that if I booked a trip through XXXX XXXX I would receive 3% if I paid with the card. I was assured this was the case. On XX/XX/XXXX The trip I booked was paid Using their card. On my next statement I observed that they had given me 1% for this trip, not the 3% I was told I should have gotten.  I filed a verbal and paper claim. Their response was everything was correct.  I called them and complained to a manager. I was told that although I had used a national service, XXXX XXXX, they are registered as a car company and as such I was ineligible for the 3%. I told them of the previous assurance and was told that because they aren't listed as a "Travel Agency" there was nothing to change. 1% was proper. I then asked if I booked through Sam's Club for travel would I get 3% and even then was told probably not as they aren't a "Travel Agency".  I asked how I, as a consumer, would know if a company was registered as a "Travel Agency" They said I would not. I asked if I could call them and ask if a particular company was a "Travel Agency" and was told until the filing came through they could not.  This, in my opinion, is a bait and switch advertising.

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 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 complaint is with Transunion credit bureau. I was part of there system glitch that caused my inquires to be removed from my credit report. The law states that Transunion would have to notify me with 5 days to inform me that the inquires would be added back to my credit report. Transunion failed to give me proper notification and just illegally added them on my report. This is causing a financial hardship on me as I am in the process of applying for a home loan and with these inquires being added to my report it brought my score down which disqualified me for my loan. I have reached out to Transunion on several occasions and spoke with a XXXX and a XXXX. They did not want to remove the inquires after I stated that they were illegally added and some were fraud. This was not a mistake on my behalf so I should not have to suffer. This was a Transunion issue and they did not take the proper steps before adding illegal information on my report. My rights were violated by Transunion. I am requesting your help in resolving this matter and so Transunion can stop victimizing me. As a resolution I am hoping to get all of my inquiries deleted from my 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 2017-08-08
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was called 3 times today XX/XX/17. They wanted a payment. I authorized {$10.00} they took {$16.00}. This will cause an overdraft on my checking account. I called the company back and told them I did not authorize the {$16.00} and want all the money returned to my account. They said this will take 5 days. It only took a couple of seconds to get it from my account. I do owe XXXX XXXX XXXX XXXX for this and was told I could pay over time. This company calls me several times a day and I tell them the same thing each time they call.

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