BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered the forbearance program last year and finished it and made 3 consecutive payments as they offered me a loan modification and told me not to make a payment until paperwork was complete. Called me after 3 months and gave me info on the offer which i declined a 40 year refinance at same interest rate and I only have about 25 years left. That put me paying around XXXX on a XXXX balance. Since I declined offer that put me in default and now im six months because they continue to tell me to not make a payment because they are still working on paperwork and the cares act is not over. They have even returned a payment to my bank. 
Alao send people out to take photos and will not release insurance claim money that was paid due to damage during the Texas freeze. My hands are tied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Spring Oaks Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My debt started out with XXXX credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting XXXX on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call Spring Oaks Capital LLC. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against XXXX because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX  against Spring Oaks Capital LLC. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. XXXX rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for Spring Oaks Capital LLC. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. XXXX credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-21
Company: Experian Information Solutions 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:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-23
Company: EQUIFAX, INC.
State: MA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
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:
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 that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, MB XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NJ
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: Problem getting your free annual credit report

Complaint:
A written request was sent to all 3 credit reporting agencies requesting both my credit file and credit report. Neither company has responded and are violating my consumer rights by withholding my personal information.

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 2021-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My balance was paid in full on the due date, XXXX, but I was charged what they called as " residual interest '' on XX/XX/XXXX for {$6.00}. I requested they remove the interest since the balance was paid in full, they declined stating they couldn't find a reason to remove it. The fact that my balance was paid in full should have been the reason. I spoke with XXXX and XXXX. XXXX stated she was a Sr. rep but there was no one above her that I could speak with. I asked if I would need to end my XXXX relationship with the company over something as simple as their so-called " residual interest ''. XXXX stating I could do want I wanted to do. She was unprofessional and highly dismissive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that I wanted to removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX ( Original Creditor : XXXX XXXXA ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX NA XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX Balance : $ XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX DateFiled/Reported : XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of disputed items : XXXX XXXX XXXX AV XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$0.00}

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 2021-02-18
Company: EQUIFAX, INC.
State: SC
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:
From XX/XX/XXXX to XX/XX/XXXX companies are pulling my credit report causing inquiries through equifax I have called fem sent in all documents and they are still on my report they are unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting 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 2023-08-23
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:
This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} - tied up to open XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$640.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter to Transunion on XX/XX/XXXX, requesting to investigate and verify the accuracy of the accounts on my Credit Report. The accounts below are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected. 


XXXX XXXX XXXX Dates XXXX, XXXX XXXX XXXX Dates XXXXXXXX XXXX XXXX XXXX Late Dates XXXX, XXXXXXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXX XXXX XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX Late Dates XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
None of my credit accounts on my credit report match. The credit bureaus stated all of my information on my credit report is accurate and verified. How is that possible when the balance owed, payment status open date, date last active is incorrect, and date last reported are not accurate on all of my accounts. I attach my credit report below. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 15 USC 1681 SECTION 602 A states I have a right to privacy! The law states clearly a consumer reporting agency can't furnish an account without my written instruction. I haven't given my permission for them to furnish my accounts.

These need to be corrected by next week or me and my husband will pursue an attorney for damages this has caused my credit.

He is already threatening to pursue an attorney based on this same issue and I will do it too if this if not corrected in 7 days.

This was supposed to be corrected months ago!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: ENCORE CAPITAL GROUP INC.
State: ND
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 credit card account they have sued me for a judgement back in XX/XX/2016and now reporting it on my credit report. Is it ok to report the original debt on my credit and also have a judgement with fees and other charges on my actual credit report. If I pay off how do I get a resolution to the judgement? XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: EQUIFAX, 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:
During a loan application with XXXX XXXX  made by my son and me, it was discovered that when you put in his name and his social security number, Equifax , Inc. generates my credit report while a report for him is seemingly non-existent. XXXX XXXX  uses an intermediary to get reports, XXXX XXXX XXXX XXXX, and the company from which the report was requested is Equifax. 

This problem is ongoing since early XX/XX/2019. Both of the above entities have been contacted but neither seems eager to help resolve the issue. At one point, we were told we would receive " paperwork '' to begin the corrective process but after a couple of weeks, none has been forthcoming. 

For me, there are privacy concerns. My credit report is being sent when I have not specifically requested it. For my son, he should have a legitimate credit report of his own but does not. 

Of concern now is that in spite of the fact Equifax has an awareness of the problem, they willfully breach my privacy and send it anyway. 

As always, Equifax is difficult to reach and unresponsive if someone accidentally answers the phone. It is the usual XXXX : they make a mistake and the burden falls on the little guy to try and fix it.

Company response to consumer: Closed with explanation