BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-09
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:
On XX/XX/XXXX I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact XXXX XXXX and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/XXXX I contacted the Equifax in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called XXXX 's XXXX in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted XXXX XXXX on XX/XX/XXXX and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my Equifax report and also listed on my Husbands Equifax, XXXX, XXXX report, which he has made several attempts to solve this issue with them also. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/XXXX I contacted the National Legal Aid for assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: KY
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 that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}

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 2022-07-26
Company: EQUIFAX, INC.
State: NY
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 on XX/XX/2022 to remove XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} RXXXX XXXX  XXXX XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Idaho Housing And Finance Association
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: Their investigation did not fix an error on your report

Complaint:
I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : HOL-HomeLoanServ XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : HomeLoanServ XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I HomeLoanServ XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX Notify XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : HOL-HomeLoanServ XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Commonwealth Financial Systems, Inc.
State: VA
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 medical debt from XXXX came off my credit report in XXXX. The company Commonwealth Financial Systems bought that debt and put it back on my credit report noting it as debt from XXXX. This information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: AES/PHEAA
State: CO
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 a loan with FEDLOAN SERVICING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FEDLOAN SERVICING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, and FEDLOAN SERVICING with no successful resolution. XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Bristlecone, Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Money was coming up out of my account and I dont know where it went. I didnt think we could do some about it until now.

Company response to consumer: Untimely response
Consumer complaint received 2020-02-11
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The bank kept taking these unauthorized amounts out of my account, and then when I would bring up the issue with them they 1 ) spent a few hours telling me it was my fault, 2 ) finally admitted it was a bank error, 3 ) " fixed it '' by crediting the money back to my account, and then 4 ) it keeps happening  and they can't make it stop TRANSACTION HISTORY XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( 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 monetary relief
Consumer complaint received 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Capital One approved me for a MC Credit Card of XXXX in XXXX my credit is valid until XXXX. 
Capital One violated the terms of the our agreement by electronic false amounts and incorrect statements of what I owed to 3 credit reporting agencies. 
Debt Collection Violations by adding late payments and other incorrect amounts- raising and reporting my balance above my credit limit for months. I called and wrote Capital One and they agreed the amounts were incorrect in writing but continued to report the balances unto XX/XX/XXXX causing my credit score to decrease while attempting to collect debts I never owed. Capital One refuses to update their errors and mistakes while demanding I pay the XXXX. There was no investigation after I disputed the amount in writing XX/XX/XXXX for months. 
Although I called the Representative also they reported a debt and balance I never owed while paying my credit card on time. 
I'm one of the customers also affected by the data breach which we spoke about but it seemed to anger XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-11
Company: ALLY FINANCIAL INC.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ally Financial continues to report unverified and inaccurate information to XXXX.XXXX and XXXX. I sent a letter on XX/XX/2018 asking for validation of this debt under the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS certified receipt shows Ally received my letter on XX/XX/2018. After 30 days from the receipt of the validation of debt request, I received no response from Ally Financial. On XX/XX/XXXX I sent a follow-up letter demanding the inaccurate unverified information be deleted from my credit reports due to the violation of the FCRA Section 623 ( a ) ( 1 ) ( A ). USPS receipt shows Ally received this follow-up letter on XX/XX/2018. Again Ally failed to provide me any verification or validation of the debt as required by law but did not delete the information from my credit reports. My complaint with the CFPB and intent to sue Ally Financial is based on the blatant violation of the FCRA Section 623 ( a ) ( 1 ) ( A ) by ( 1 ) Failing to validate the debt in question while continuing to report to the credit bureaus. ( 2 ) Verifying an account with the credit bureaus before my request for validation has been completed. ( 3 ) Knowingly reporting inaccurate, invalidated information .Documentation 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 2020-10-21
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: Was not notified of investigation status or results

Complaint:
ONCE AGAIN I HAVE ASK EXPERIAN TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE 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 explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
these creditors are deleted oon other accts.transunion should delete

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 2020-10-21
Company: ALLY FINANCIAL INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attempted refinance with Ally Bank. Went through online forms and spoke with a rep who confirmed based on my answers i was prequalified all they needed to do was verify the information i provided. The confusion continued for several weeks. They were lax in responding to online requests and emails. I finally started phone calling and waiting on the phone to speak with someone. They seemed to be hung up on me being self employed. They have their own definition of self employed which they did not share until i had paid for services they required to continue. I explained according to the IRS i was not self employed. I provided bank statements, check stubs and tax returns to justify my income. They disallowed most of the income stating it was because i was self employed. The said my DE ratio was off but they never requested copies of my expenses. 

When i specifically ask them to show me what i answered incorrectly on the application which would have led to the confusion, they did not provide any specific answer. Only that the underwriter disallowed most of my income for the calculation for one reason or another. 

This information should have been relayed to me prior to me approving a {$550.00} charge for an appraisal ( which they required an inside appraisal instead of a drive-by. ) Had they been forthcoming with the requirements i would have not approved the {$550.00} charge. 

I provided tax returns showing income which i walked through with the rep. added it and divided it to get a monthly amount. our calculation was off by almost $ XXXX per month from the underwriter. 

I believe this was presented by people who didnt know what they were doing ( as evidenced by all the confusion with the application ) and should not have been charged the {$550.00} without properly informing me of the issues with what they considered self employment ( again which is different than what the irs considers self employment. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry 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 explanation
Consumer complaint received 2020-02-11
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to XXXX  credit services and the following companies, SETOTYOTA FIN DBA OF WORLD OMNI account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called XXXX XXXX on XX/XX/XXXX and paid the account balance in full which was XXXX . I made two payments which were XXXX $ and a XXXX $ payment totaling at XXXX . I have called repeatedly South West Credit Solutions and have tried to verify this information and Ive given them all my reference numbers and still nothing has happened. XXXX XXXX also sent them a form on my behalf on XX/XX/XXXX stating that I did in fact pay the balance in full and no longer have an account or a balance with XXXX. Its been a month and South West is not doing anything about it and I need this taken off my credit report as I was assured that it would be. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2020 I first spoke to a XXXX XXXX agent. They were unable to verify credit reference due to security alert. I was transferred directly to Experian. Please acknowledge this - I have been two months trying to reach a person by phone at all the credit bureaus. Today it took almost an hour to finally get a person to talk to. I have also made many effort to use the online services and I get - no such account, you may have an account - over and over until I am locked out and not do any more. Today after talking the smart A -- who took my information, in order to  verify my identification finally asked me the XXXX $? which I could not do because I have never been able to get into my account and the time has lapsed so long that I have forgotten the darn answer. Therefore, now I have to prove my identity by providing documentation. I was given the web site to use and guess what, I was locked out and every document that I took hours to put together, copying, scanning and uploading has now been erased and my next option is to mail everything in. I tried to call, the hours for today, close at XXXX. I call @ XXXX and sorry we are closed. What's with these people. Enough is enough!!!!! This is MY LIFE and MY CREDIT, they do not own me and I want my information, a score without paying and the security alert lifted so I can move on. 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