BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act XXXX XXXX, USDOE/XXXX  has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

I have never been applied for a US Education loan ; I need this account to be investigated and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: EQUIFAX, 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've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted TransUnion and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with XXXX, TransUnion and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. TransUnion, XXXX and XXXX will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.

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 2020-11-24
Company: EQUIFAX, INC.
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:
This is my 3rd complaint dealing with these credit bureaus and them not fixing the incorrect info and accounts on my report that are from identity theft and fraudulent. My whole identity has been stolen to the point that someone has been living as if they were me even filing bankruptcy in my name to start over and keep getting more fraudulent accounts in my name. I have gotten some of the stuff removed but there is still two accounts and the bankruptcy that remain. I filed a police report and identity theft report as well as sent the bureaus everything they have asked of me to verify it is me requesting this and still NOTHING. They even erased a credit card account that WAS actually mine but not the fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I paid the company and they keep calling me in regards to this issue and I talked to them respectfully twice but then was told that the amount was still due which it is not. This is the information I reported before : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report These individuals are associated with XXXX and their finance company, XXXX XXXX XXXX, I want these phone calls to stop. They also are calling and when I answer the phone they hang up this is supposed to be a professionally run company and yet this is happening and the employer should be made aware of some of their employees actions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-11
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Discover XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received a letter from Credence XXXX  XXXX XXXX, a collector company stating that I owed XXXX from an account that was open and credited to my name. This account was fraudulently opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
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:
ATTN XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi! 
We are affected by COVID19. 
SO our business closed permanently. 
Started financial hardship on XX/XX/XXXX. 
We have a 10 months behind payment now. 
We denied any kinds of loss mitigation options. 
Finally. 
My husband got the job recently. 
So We sent 1st appeared letter. 
But they told me they didn't received By email on XX/XX/XXXX one. 

So I sent 2nd appeared letter by Email XX/XX/XXXX. 
I called mortgage company again. 
I called every week. 

That company agent told me that wait until XX/XX/XXXX. 

Underreviewing status. 

So we were waited. 
I called mortgage company on XX/XX/XXXX. 
Agent told me our account transfer to Attony.

Start to legal action.

Intend to foreclosure step. 
Mortgage company sent us Foreclosure documents. 

They didn't gave us last warning! 
So I called Attorney compliance department. 
They received my case on XX/XX/XXXX. 

How can I do? 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Chase Bank bounced a check from one of my accounts and never notified us ( so that we could resolve the issue ). This has never happened before in the past regarding checks. The check was written to my daughters day care. The bank then began charging us multiple insufficient fund fees and a return fee when we had the money in our accounts the entire time. So instead of just pulling the funds from one of our other accounts. I contacted the bank to clear up this matter and they were unwilling to resolve the matter with us. My wife contacted the bank to do the same and they were very rude to her. We have been with Chase bank for over 10 years. I'm filing a complaint for " unfair business practices, '' and taking advantage of there customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-11
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: Personal information incorrect

Complaint:
I have been trying to correct my credit report for 10 years now!!! 
It says I lived in New York in 2009 ... I have never been to New York in my entire Lifetime!!! 
My identity was stolen some time in 2009. I have written Transunion several times over the years to try and correct this fraud, and every time they say they correct it. 
Just received my new report ... same New York address listed on the report. 
Tried calling them, can't speak to anyone there, just a computer.XXXX Can't access their website either.

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 2020-07-18
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these companies to run my credit. Please remove it 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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2021-04-05
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:
The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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, EQUIFAX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bank of America has been holding my payments and posting them late. 
I send all my payments certified and check to see when they were received, Although they received my payments in time they have been holding them and posting them after the due date. 
They also have been charging me a extremely high late fee, The fee jumped from {$35.00} to {$150.00}. with no notification. 
My Account number is # XXXX. 
I have all my Certified copies and the dates that BOA received them.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have repeatedly sent letters to Experian, XXXX  and Experian regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX XXXX Original Creditor : 11 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 2019-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been checking my credit and I found a public record, some inquiries, and address that do not belong to me, I have been advise to file this complaint to clear this matter, and to separate my seft from this inaccurate report on my credit, and FTC complaint is attach to this request for blocking this fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 non-monetary relief
Consumer complaint received 2018-04-11
Company: FULTON FINANCIAL CORPORATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX  continues to increase my mortgage payment every year. I had a loan modification a few years ago as I could not afford the payments at that time, which were around {$1100.00}. XXXX XXXX increased my mortgage payment this XX/XX/XXXX from {$1100.00} to {$1100.00}. My payment was raised again XX/XX/XXXX to {$1500.00}!!!! I originally had a loan modification because I could not afford a {$1100.00} payment. Now my payment is {$1500.00}. I feel they are setting me up for failure. Is this legal what they are doing? I had a temporary loan modification back in XX/XX/XXXX. I need a set payment which I can afford, and my interest rate lowered. I went from paying 3.5 % to 6.5 % interest rate on my mortgage. I am struggling with this, and the bank knows this and does not care.

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 2020-11-27
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 DONT KNOW HOW MANY TIMES I HAVE TO REPORT THIS TO XXXX  XXXX XXXX XXXX TO XXXX XXXX TRANSUNION and XXXX BUT EVERYBODY WILL BE GETTING A DEMAND LETTER FROM MY ATTORNEY TO SHOW CAUSE AS TO WHY THIS IS STILL ON MY CREDIT REPORT. MY ACCOUNT XXXX XXXX ENDING XXXX NEEDS TO BE COMPLETELY AND INDEFINITLEY REMOVED FROM MY CREDIT REPORT. IT WAS NOT OPENED XX/XX/XXXX AND EVERYBODY KNOWS IT. ATTACHED IS SCREEN SHOTS DIRECTLY FROM XXXX XXXX XXXX  MY ACCOUNT WAS OPENED IN XXXX AND CHARGED OFF IN XXXX. XXXX  PURCHASED THE DEBT XXXX OF XXXX. THAT IS NOT DATE OPENED. THIS IS TOO OLD TO BE REPORTING IT IS ILLEGAL AND I WANT TO BE COMPENSATED DUE TO MY RIGHT OF ILLEGAL REPORTING XXXX PLUS DAMAGES. SINCE IVE REPORTED THIS TO YOU NUMEROUS TIMES- PLEASE TELL ME WHY YOU DID NOT DO YOUR DUE DILLIGENCE ON MY BEHALF?

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 2019-02-22
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 fraud alerts or security freezes

Complaint:
I put a security freeze on all three credit agencies. I needed to lift it temporarily, and had NO problem with XXXX  and XXXX. Experian, apparently, sent me a PIN number in the mail, which I do not recall receiving. I answered questions it asked online, but the company would not life my freeze and wants me to send in a copy of my drivers license, bills and other proof of who I am, and will not lift the freeze or allow me to use a verbal identification over the phone with SSN, former addresses, and other proof of identity. I'm ticked off, because they make is so difficult to lift my freeze and can not make it reasonable like the other two services. Meanwhile, because I can not get the freeze lifted, I'm losing {$600.00} by not having my credit approved in time. 

We have no choice to be able to remove them from our credit services. I'm frustrated and feel that they should be sued for restricting commerce.

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