BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: OH
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:
Ive sent a dispute letter & mov letter. 

Its been over 30 days and they havent verified. 

I spoke with court house and they dont verify with third party furnishes.

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 2018-07-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account below was deleted and readded a year later. The account was used for fraud. I have added the fraud form given to me by bank. 

XXXX XXXX XXXX + {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: ID Analytics, Inc.
State: CA
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:
Sagestream LLC was used for a credit inquiry from XXXX XXXX. They sent a rejection letter with information that looks incorrect as the reason for the denial. 

I can not request a copy of my report, freeze my credit report with them or file a dispute with them regarding the incorrect information without submitting a photograph of my driver 's license, social security card or passport. 

I REFUSE TO SEND COPIES OF PRIVATE AND PERSONAL IDENTIFICATION DOCUMENTS TO A COMPANY THAT I HAVE NO AFFILIATION WITH, HAVE NOT DONE BUSINESS WITH, DO NOT WISH TO DO BUSINESS WITH, AND IS IN THE BUSINESS OF COLLECTING PERSONAL INFORMATION ABOUT PEOPLE. 

They did not need any of that information to provide the report to XXXX, they should not need that information to provide the information to myself. XXXX, XXXX  and XXXX  are all able to provide this information without requiring me to send an unknown company pictures of my identification. 

I'd also like to note that the Consumer Financial Protection Bureau website that I am submitting this complaint on does not require the level of information to submit this form that Sagestream is asking for. They can verify my identity with the last four digits of my social security number, date of birth and name when submitted from this form, but they can not do this on their own website? They can not use the reference number on the rejection letter as an additional check for security instead of requesting photos of my identification? I very strongly feel that Sagestream is trying to make this process as difficult as possible for consumers to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: VA
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:
According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: OUT TECH, INC.
State: PA
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:
Bureaus of account management continues to furnish information on credit file going against FCRA Guidelines. Company sent to information regarding debt. Time of service, I receive medical assistance which covers @ 100 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/XXXX XXXX credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable.

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI XXXX 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 2019-02-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
So I went on XXXX XXXX and got a alert saying a place ran my credit Im like what. So I looked it said syncB national credit cards/airlines and Ive never applied for anything like for anything before. I called synchrony bank they said they dont deal with that and told me to call credit people to get it off of there so I called they said I have to get a letter etc from the company and I was like okay so I went back called them and said same thing again so Im getting a complete run around Im XXXX like I dont need this stuff happening

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I contacted Transunion, and XXXX XXXX XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX XXXX on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Neither Transunion nor XXXX XXXX XXXX have responded to my correspondence, nor has the inquiry been deleted from my credit report. Transunion did send me an updated credit report per my request in my letter, but did not address the deletions of the inquiry. I have never applied to, nor do I have any inactive or active accounts with 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 2018-12-19
Company: LDF Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Company is charging 650.72 % interest. I've paid back over 2000 on a {$970.00} loan, still owe XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am frustrated in regards to the accounts that are not associated with me, I have filed an identity theft report and faxed it over to all 3 bureaus, I have contacted XXXX, Transunion, and XXXX via phone, fax, and certified mail. I haven't had any luck in getting anything resolved. I am trying to buy a home, and accounts that are not associated with me are coming back and reporting negatively which is impacting my score tremendously. These accounts have been lingering on my account since 2014 The following accounts where tied to my name which I havent opened : XXXX XXXX in the amount of {$590.00} XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount of {$450.00} XXXX XXXX XXXX in the amount {$220.00} XXXX XXXX XXXX XXXX in the amount of {$550.00}

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 2021-07-12
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My Apple Card was fraudulent charged for XXXX order back on XX/XX/2021. I do not know what this charge is about and where it even came from. I even contacted XXXX and they admitted it was fraud and so I contacted my bank and they keep denying its not fraud but I never made this charge. Why am I being held reliable for something I didnt do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12
Company: TRANSWORLD SYSTEMS INC
State: GA
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:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, never gave any 3rd party any written consent to report anything on my consumer report. No contract is identity theft.

Concerning all accounts as a consumer I am demanding a deletion of these accounts.

Under 15 U.S. Code 1692h. Multiple debts ; If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong 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 2021-08-06
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:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
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 requested that Equifax fix an error on my report over 10 times via phone and online. The company refuses to update the incorrect information because they claim they can not and the outsourced representatives do not know how to. My consumer statement is still wrong and has the wrong phone number which prevents me from passing identity verification because Equifax will not remove it nor update it. The company has also added back two accounts from XXXX ( XXXX and XXXX ) and XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX which were investigated, disputed, and removed over a year ago as a form of retaliation because I have placed complaints on the company. I am unable to look at past disputes which prove this behavior that is being conducted because Equifax blocks me from viewing past disputes over 10 days ago. Equifax will not cease these violations and has been sued for this behavior yet continues to practice the same violations after being made aware. Also, the company continues to supply generic customer service responses to complaints claiming it has rectified the issues but that is false. The incorrect information, lack of customer service, and retaliation tactics are preventing me from obtaining credit. It hard to get proper assistance because the representatives are outsourced and do not fully understand the assistance you need nor do they care. I am still unable to reach Equifax by phone to resolve this because I can not verify myself through the automated phone system because my personal information is incorrect and they wont fix it after six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
WFHM USED THE WRONG DATE ( a XX/XX/XXXX date, my loan closing date was XX/XX/XXXX, the time period was XX/XX/XXXX through XX/XX/XXXX ) and I was deliberately excluded from the fair housing claim settlement, DOJ v WFHM lawsuit, which has been the subject of CFPB complaints against WFHM before and after foreclosure of my home of 15 years. 

Foreclosure was on XX/XX/XXXX. 

I read every page of the 57 plus page document as well as the 87 plus page documents continually sent by WFHM without the answer in question. 

WFHM responded to all complaints continually and intentionally leaving out the answer to the main question everytime ; I ask again ; Please, Please answer the question WHY WAS I NOT INCLUDED IN THE ABOVE LISTED SETTLEMENT even though I met all criteria????????????

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 2020-06-30
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I would like to send a copy of a letter to remove a credit card with XXXX off my credit report. Please see attached the letter I received today from XXXX. So to equifax XXXX  and XXXX  please remove this account from my records. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 i sent letters to XXXX XXXX XXXX acct # XXXX asking them to validate this debt not verify. They sent me itemized list of charges fromXXXX XXXX. I have also sent copies of debt validation letters to Exquifax XXXX   and XXXX  only to come back with response that it has been verified. How is that? when my rights as a consumer have been violated under FRCA and FCRA by XXXX XXXX XXXX. 

XXXX  has them listed as a factoring company since XX/XX/2018 until current with conflicting open dates with the other credit reporting agencies and reporting late payments? How is that when a COLLECTION ACCOUNT DOESNT SUPPOSE TO REPORT LATE PAYMENTS? HOW WAS THIS VERIFIED OR VALID I have also filed a case with XXXX  case # XXXX CASE # : XXXX Thats just 1 of the multipli inaccuracies!! Please help with this account so that i can be granted the justice I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
S sometime in XX/XX/2021 I dropped something on my glass stovetop and damaged it. I went online and found XXXXXXXX XXXX XXXX talked to a person ( XXXX  ) and she gave me a good replacement charge. I gave her my info ( credit card ) and she said she will send me an invoice in the next few minutes. when I did not receive an invoice in. several hours I called back and was told there was no order placed in my name and no one by name of XXXX worked there. I told him to cancel the order if they found it a and I no longer wanted the stovetop. several weeks later I received this large box with a damaged stop top from their return dept ( shown on their label ) I called many many times and never spoke to a person usually their hung up on me as soon as I gave my name.I reported this to Chase Bank and they took charge off my account. A couple of weeks later the charge appeared on my account again. I called Chase and they said it was a billing dispute.I contacted XXXX  and told him what had happened, XXXX issued a label and returned it to XXXX XXXX told me there was no charge to me because the stove top was damaged in-transit and they were responsible. I submitted this to chase with all info tracking. nbr, proof of delvy to XXXX but they say it's a billing error. Please help

Company response to consumer: Closed with explanation