BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: MI
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 paid my child support and was sent a termination letter to me and my employer. about 30 days later I received a phone call that they had found items they had missed and were sending another letter to my employer to take weekly payments. Nothing I could do, if they had not missed this I would have had it paid by now. Now they have put this on my credit report as a default loan! This is unfair to my credit report. I paid this off and was their fault they missed an attorney fee from 18 years ago. at least this should just show as XXXX loan not past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: MD
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.

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 2019-07-23
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.

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 2020-02-05
Company: Experian Information Solutions Inc.
State: MO
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 currently displays two loans that were opened on the same day, and closed on the same day but different account numbers. I only opened one account with the company but they are reporting two debts to the credit bureaus. When I told them of the error, they stated that they only could view one, but they continue to verify the second account with the major three bureaus.One account shows, settled and the other shows charge-off. Both accounts are approx {$9600.00}.

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 2023-09-05
Company: EQUIFAX, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX XXXX is in violation of my 30 day right to dispute. I was not notified of the dispute status before it showed up on my credit. I would like for this item to be removed or for XXXX XXXX XXXX to provide proof that this item is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Application was made on or before XXXX ( online through Quicken Loans aka Rocket Mortgage ) ( with disclosure about Child-Support income from my fianc ( XXXX XXXX ) Pre-Qualification was received on or before XX/XX/20 On or after XX/XX/20 Email was sent to XXXX XXXX ( MLO ) requesting clarification on the approved loan amount vs the max FHA allowable limit for XXXX XXXX , County. 
MLO ( XXXX XXXX ) responded stating that due to Debt-to-Income ratio we would not be approved for the higher loan amount. 
We submitted the following : 1. Original and current Court-Ordered Child Support reflecting a monthly award amount of $ XXXX/Mo. ( Only receives $ XXXX monthly ) 2. Bank Statements reflecting the consistent weekly deposit and proof of receipt for the last 3 years. 
3. Proof that the Child Support would continue for the next 3 years for the remaining children under 18 ( One child is XXXX and the other is XXXX ) 4. XXXX FHA Guidelines reflecting the allowable use of Child Support as a viable source of income as long as the above requirements were met. 
XXXX XXXX and processing staff communicated that the Child Support income was disallowable due to Quicken Loans/Rocket Mortgage Guidelines regardless of the fact that this is an FHA Insured loan. They stated that as the Lender they have the discretion to allow or disallow the use of an income source as per their internal policies and procedures. 
As a result of the disallowance of this income we had to purchase a home in a less desirable neighborhood and school district for XXXX XXXX children. 
As a result of the disallowance of this income we were told that the DTI ratio and credit score did not allow us to qualify for the lower par market rates. 
We incurred over $ XXXX in origination and discount points in order to close this transaction which represents over 4 % of the total loan amount. 
We believe that we were discriminated against due to this income type not being preferable to the Lender and also the fact that we are an interracial couple to boot. 
We have combined income of over $ XXXX and should have qualified for the higher loan amount thus allowing us to purchase our originally desired home in the better school zone district. 
We are alleging that Fair Lending Guidelines have been violated including overt discrimination and as a result disparaging impact. In addition, we intend to file a complaint with the OCC, FRB and the CFPB for UDAAP violations as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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 information incorrect

Complaint:
The credit reporting agency is reporting XXXX account # XXXX XXXX. my balance and payment status is being reported wrong. I paid this account off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: CITIBANK, N.A.
State: FL
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:
In XX/XX/XXXX I had just returned home to XXXX from XXXX ( I served over there for a year ), and was newly separated from my husband. He had moved to XXXX XXXX  just prior to my return. Around that same time, I called Citi Card multiple time advising them that my husband was estranged and may try to make fraudulent charges on my card ; at which point they told me they put a freeze on my card. My card was paid off at that time and I had a XXXX balance. In XX/XX/XXXX I filed for a divorce. I then moved to XXXX due to a military commitment. 

Around XX/XX/XXXX I received a few notices that my credit score had changed. Upon checking my credit score I discovered it had been lowered quite significantly. After further research I discovered there were {$1500.00} worth of XXXX charges on my CITI card between the months of XX/XX/XXXX-XX/XX/XXXX. I once again called CITI Card multiple times but they denied any responsibility. Despite the fact I was serving in the XXXX in XXXX at the time the charges were made ( XXXX doesn't exist in XXXX, XXXX ) CITI refused to assist in the matter. I had proof my husband was estranged, that I had filed for divorce well before the charges were made, and that I had called CITI in the fall advising them of my situation, however, they denied any negligence on their part and insisted I pay the balance. They admit I called multiple times in the fall of XX/XX/XXXX, and they also admit there was speculation of fraudulent activity, but they won't take responsibility for their representative 's negligence by not putting a freeze on the card after I was specifically told there would be.

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 2023-03-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in 20004. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 C-2EQUIFAX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Thomas George Associates, Ltd.
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was in an accident in XXXX I had just bought my vehicle so I made the mistake of postponing using car insurance. Later on I got into an accident when I was going to XXXX on military leave, the person did not yield to the green light and turned in front of me. The process was choppy due to my lack of insurance, I filed a claim through them and they have not gotten back to me ; however, the debt collection agency Thomas George Associates is claiming I owe {$15000.00} when XXXX never approached me and when the repairs of the car were worth half of that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

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 2019-07-27
Company: JPMORGAN CHASE & CO.
State: OH
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 monitor my credit daily ok. 
I get updates and credit alerts from everywhere. 
I just got an update on XX/XX/XXXX and again on XX/XX/XXXX that my credit was the same as its been for almost two months it was XXXX. 
Keep in mind I have had no changes OTHER than amounts " decreasing '' from my total debts. 
On XX/XX/XXXX I got an update from the bureaus ( XXXX AND XXXX ) that my credit went down 38 points DUE TO A NEGATIVE REMARK CHASE POSTED ON MY ACCOUNTS. 
I pay Chase on time EVERY MONTH. 
I spoke to Gentleman in the Chase Credit Bureau Correction dept about the error. 
I was given information that the remark shouldnt have made my score go down BUT AGAIN IT DID. 
He also tried to blame it on a " third party applicator '' BUT NO SIR THIS CAME DIRECTLY FROM XXXX  AND XXXX My credit score decreased drastically soley bc of the NEGATIVE REMARK CHASE ADDED TO MY ACCOUNT. 
Chase needs to STOP adding UNECESSARY remarks on my credit file. 
IF IM NOT LATE DO NOT ADD ANYTHING TO MY FILE. 
DONT ADD NONE OF THAT TO MY CREDIT FILE BC IT DECREASES MY CREDIT SCORE DRASTICALLY I'm a XXXX XXXX OK. 
I monitor my credit 500 times a day. 
I'M ADDING PICTURES TO SHOW HOW MY SCORE WENT DOWN SOLEY BC OF THE REMARK CHASE ADDED TO MY ACCOUNT. 
Not even sure why they added that UNECCESSARY REMARK ON MY CREDIT FILE PERIOD. 
THE GENTLEMAN EVEN TOLD ME OUT HIS OWN MOUTH SOMETIMES WHEN CHASE ADDS REMARKS PPL HAVE CALLED IN AND STATED THEIR SCORE WENT DOWN. 
THIS NEEDS TO BE INVESTIGATED INTERNALLY. 
CHASE NEEDS TO REMOVE THE REMARK THEY JUST PLACED ON MY FILE ON XX/XX/2019 REGARDING THAT DISPUTE. 
AND IT NEEDS TO BE REMOVED EXPEDITIOUSLY. 
A DISPUTE WAS FILED BUT IT HAD NO BEARING ON ANYTHING BC IT WAS ONLY FOR {$30.00} AND I NEVER FOLLOWED THROUGH WITH IT. 
IT WAS NEVER PROVISIONALLY CREDITED OR WITHDRAWN FROM MY ACCOUNT. 
IT LITERALLY DID NOTHING. 
Chase may not know that what they are reporting or the words they are using is hurting consumers but it is IF IM NOT LATE DO NOT ADD NOTHING TO MY CREDIT FILE. 
You should be reporting my ON TIME PAYMENTS and THATS IT DONT ADD ANYTHING ELSE OK. 
ABSOLUTELY NO OTHER MITIGATING FACTORS CAUSED MY SCORE TO DECREASE LIKE THAT EXCEPT THAT REMARK THAT WAS ADDED AND AGAIN MAYBE CHASE CREDIT BUREAU DEPT DOESNT REALIZE THE UNECESSARY REMARKS THEYRE ADDING TO CONSUMERS FILES IS DECREASING THEIR SCORES SO NOW THEY KNOW AND THEY NEED TO STOP OR I WILL FILE A LAWSUIT AGAINST CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made full payment on this account but capital one is still reporting it to my credit as charged off. under 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). and in section 603 ( p ), 15 U.S.C. ss 1681b ( a ) ( 1 ) ( 2 ), 15 U.S.C. ss 1681a ( 2 ) ( A ) ( i ) 15 U.S.C. ss 1681a ( 2 ) ( B ) 15 U.S.C. ss 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2019-07-27
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled with LVNV funding on an account originally from XXXX XXXX XXXX. Attached is settlement agreement. I would like to ask LVNV to remove this as a collection account from all three credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Inadvertently, on XXXX XXXX, my hazard insurance expired, because the current one ( XXXX XXXX XXXX  XXXX ) did not renew it. I got another insurance on XX/XX/3023 ( XXXX  Policy # XXXX ). SPS lender place carrier from XX/XX/XXXX to XX/XX/XXXX. and charge {$310.00}. This is : XXXX. Current new insurance is XXXX. This means that SPS placed insurance that is 178 % of the average insurance for this property. My complaint is directed at two points : 1. New insurance started effective XX/XX/XXXX. at XXXX XXXX. Therefore, the lender place insurance should be effective until XX/XX/XXXX. not XXXX. If they are going to charge XXXX, then it would be 11 days, not 12 days. 
2. I understand that the lender place carrier could be more expensive but increasing 76 % is abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation