BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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: Other problem getting your report or credit score

Complaint:
In Experian 's response ( dated XX/XX/XXXX ) to my complaint through this portal ( dated XX/XX/XXXX ), Experian stated the following : Based on our reinvestigation ten of the disputed accounts mentioned in your previous correspondence, received XX/XX/XXXX, are in the process of being removed from your credit report. One of the disputed accounts is not currently showing on your Experian credit report. The disputed inquiries are not currently showing on your credit report with Experian. Once the update is complete a copy of your credit report will be forwarded to you for review. 

I have yet to receive said report reflecting the deletions mentioned above. Please mail the report to me 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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXX Ct, XXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a Government job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. XXXX  and transunion, have inaccurate information, only equifax, is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In trying to finance a new mortgage, I was asked about an item appearing on my Equifax credit report from XXXX for solar panels on a home I had previously owned. I was unaware of this item and was shocked as I check my reports frequently. 

I obtained my credit report from XXXX and it was not showing. I reached out to Equifax and they said that I was not seeing it because I was not using an Equifax product. However, when I did use that product, this item was still not on my report. 

I understood that the bureau could not provide to lenders any data that was not provided to the consumer. The agent at Equifax could see it, my lender could see it, but I could not. And, according to this agent, it was only reported by XXXX AFTER I sold the home ; we closed on XX/XX/2019 and it was first reported XX/XX/2019. 

I understand credit and was confused and angry when this popped up at the minute ; had I known about it, I could have dealt with it before starting my loan process. I can not imagine how someone buying their first home would feel. Should Equifax be able to continue this practice?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is NOT a dispute about information on my credit. Its is about their internal practices that allow unauthorized access to my credit file despite me having a security that is PIN protected. I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/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 non-monetary relief
Consumer complaint received 2020-08-26
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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX {$610.00} XXXX  XXXX {$23000.00} XXXX XXXXXXXX {$14000.00} XXXX XXXXXXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/XXXX my father passed away and I asked the creditor if I was able to get an extension or deferment for 1 month due to a death of an immediate family member. I was granted it but shows up as a late payment for why I wasn't sure since I told them what was going on even emailed a copy of his death certificate to them to prove I wasn't lying. And between XX/XX/XXXX till XX/XX/XXXX I was laid off. XX/XX/XXXX till XX/XX/XXXX was due to a harsh winter and unable to work outside. And from XX/XX/XXXX till XX/XX/XXXX from COVID. I asked the creditors if I could have a reduced minimum payment or a brief hold or deferment on my account due to the COVID outbreak and unforseen weather. I talked to multiple reps and they noted that in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Clear Debt Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
starting in the beginning of XX/XX/XXXX I started receiving calls from CDR assc. about some kind of debt, i asked what kind of debt and they respond with they need my SSN # to proceed, i told them i was not going to give that information out over the phone and send me in writing a copy of the debt they were trying to collect. as of this date they have n't sent anything and called two times a day both on cell and house  phones, saying they were going to contact my employer as well. I have no idea about this company as XXXX serch reveals nothing. The number they are callinf from is an XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
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:
Good Morning I am submitting an Complaint that I have with Equifax regarding XXXX XXXX this company is reporting a plethora of 30 day lates and two 60 day lates on my credit file, I disputed with 609 letters, citing unverified lates reporting however it always came back as verified with Equifax. I suspect XXXX auto verification is being used because when Equifax was responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. They also stopped responding, that allows me to take legal action. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive. They are as followed, XX/XX/XXXX ( 60 day late ) XX/XX/XXXX thru XX/XX/XXXX ( 30 day lates ) XXXX XX/XX/XXXX to XX/XX/XXXX ( 30 day lates ) and a 60 day late for XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My FHA Mortgage loan was originated in XX/XX/XXXX. At that time MIP  was added to the loan prior to the permanent changes to MIP  which went into effect XX/XX/XXXX, per HUD Mortgagee Letter XXXX. I have made numerous attempts to have Lakeview Loan Servicing , LLC remove the MIP since the LTV is below 78 %, the loan is over 5 years old and all payments have been made on time. They told me I need to refinance the mortgage and that is incorrect and needs to be removed immediately. 

According to HUD FHA guidelines MIP must be removed if you meet the following criteria if you Applied between XX/XX/XXXX and XX/XX/XXXX : 1 ) Youve maintained a good payment history without any 30-day late payments for the past 12 months. 
2 ) When you reach 78 % loan-to-value ( LTV ) based on the original value of your home.

3 ) You have paid MIP for at least 5 years since originating your current first mortgage Their contact information is : For Notices of Error and Information Requests Lakeview Loan Servicing ATTN : Mortgage resolution P.O. Box XXXX Virginia XXXX, Virginia XXXX XXXX Loan Number : # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX  XXXX, MD 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 2021-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company took over an account that was paid off 3 times, In XXXX of XXXX I received a letter from the US DEPT OF HOUSING Account number # XXXX stating that I had 30 days to reply to a collection claim that can in, so I called seventh times and said to a XXXX XXXX XXXX from US Dept of Housing. I send emails to her showing that XXXX XXXX was paid 3 in XXXX & XXXX. And the 3rd week of XX/XX/XXXX US Dept of Housing took {$2400.00} from my income tax and they send me a letter stating that the debt is paid in full. Then they are reporting ok my credit report that I am in collections as of XX/XX/XXXX. I have been asking Experian to fix this on my credit and they have been giving me a hard to either fixed the payment history or selecting this item from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX had a financial problem, because of the decline in the economy I was not able to collect my income from my job. Over {$70000.00}. was owed to me and I could not collect it. 
I tried to pay whatever I could on my mortgage. They returned the payments that I made to me and put me in foreclosure. I hired two different attorneys to help me and have paid over {$6500.00}. plus {$1200.00} to the Trustee on a Bankruptcy that was incorrect. 
I now have a sale date on my home for XX/XX/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 non-monetary relief
Consumer complaint received 2021-03-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On Equifax XXXX they have a address that I once lived at my name is listed as XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I have never ever live there. Can someone help to get that removed from my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have NOT received an update for CFPB Complaint- XXXX. Bank of America has not contacted me and all of the fraud charges need to be credited ASAP. I have only received a partial credit. Please RESOLVE this ASAP!

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 monetary relief
Consumer complaint received 2020-08-26
Company: ALLY FINANCIAL INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Ally Bank allows me to setup automatic payments to be sent to my landlord on a specific date but the date at which those funds are withdrawn from my account changes. This caused my account to overdraft. I think it's wrong that the withdraw date can change without Ally having to notify me, and I confirmed that they will not be notifying me when the date changes because it's not in their control. I also feel this is something they have the duty to be in their control since I am giving them the duty of holding my money. I have attached the chat logs as evidence of what happened, but I've done my best to explain the situation below as well. At a minimum, Ally owes it to the consumer to explicitly notify them of this practice when they are setting up automatic payments. Ally should be able to leave the money in my account until the check is deposited by the payee. 

For example : My rent check of {$2500.00} is due by the end of each month. I have automatic bill pay setup to mail my landlord, XXXX, a check on the XXXX of every month to allow time for it to get to him. This is setup from a checking account with Ally. I keep this account nearly-empty because it's used to pay multiple bills and online transactions so I don't want a large sum of cash sitting in it in case it is compromised. I also keep the balance as low as possible because it doesn't accrue interest like my savings account with Ally. I have a savings account that I transfer money into this checking account automatically before the money is needed. 

For the past 2 months, the money was debited from my account when XXXX cashed the check he received, which he told me he always deposits the rent checks on the XXXX of the month. So, to cover the {$2500.00} check that is written by Ally and sent to XXXX, I transfer {$2500.00} from my savings account to my checking account on the XXXX of each month to ensure the funds are available to XXXX when he deposits the check on the XXXX of the following month. 

However, this past month, Ally withdrew the funds from my checking account on the XXXX because the check was to be issued on the XXXX and the XXXX was a weekend. In the past months, the funds had been withdrawn when the cash was deposited on the XXXX of the next month. Instead, they withdrew the funds a day before the check was to be issued. Because the automatic transfer from my savings to my checking account is setup for the XXXX, my account went into overdraft because my rent money wasn't in the account yet on the 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 non-monetary relief
Consumer complaint received 2017-08-01
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 sent a letter to Equifax on XX/XX/XXXX asking that they verify the debt of several accounts. After the first letter, they deleted 2 accounts in their response on XX/XX/XXXX but did not verify any accounts. On XX/XX/XXXX, I sent another letter requesting proper verification of the remaining accounts as well as the name of the person who verified the accounts. On XX/XX/XXXX, Equifax replied by simply stating, " We have verified that this item has been reported correctly '' and listed dates and amounts of said accounts. I sent a third letter on XX/XX/XXXX, asking again for verification of the remaining accounts. I was able to remove 2 of the account from my list after doing a little research myself but I have never done any business with the remaining 2 accounts so I am looking for a true validation of debt to determine why and how these 2 collections were listed on my credit report. In their response to my 3rd letter, they stated, " We have reviewed your concerns and our conclusions are : Please be specific with your concerns by listing the account names, and numbers, and the nature of the dispute. '' Their final response was very disappointing because they simply pretended that I did not send them anything. Each letter was sent with a copy of my driver 's license, my SS #, and a letter with a list of accounts. Each letter was also sent certified mail so I was completely taken aback by their latest response and thus the reason for the complaint. Proper verification of the 2 remaining collections listed on my credit report would be greatly appreciated. I would like a solid verification as outline in all three of my letters without defecting and placing the blame back on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-22
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
IhavenoticedcreditinquiriesonmycreditreportsthatIdidnotauthorize.Ihavereachedoutbuttheywillnotassistme.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 # XXXX is reporting an account to my credit report with a balance that should not be on there. I paid off this balance more than a year ago and it is still reporting a balance to my credit. This needs to be updated or removed 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 2021-03-01
Company: Nelnet, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation