BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Credit bureau Equifax has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXXXXXX XXXX explaining and showing I was not late. XXXX XXXX has removed it 4 times however, they continue to report again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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:
My information was stolen and I have reported this to the credit companies, however, they have refused to remove these accounts. These account were due to identity theft and should not be on my consumer report. Experian, has failed to remove these accounts and it has continued to ruin my credit and my approval ratings with many companies or to finance something. Prior to hiring an attorney- I deemed it necessary to try this last approach. The accounts are below - XXXX XXXX XXXX XXXX amount $ XXXX - XXXX XXXX- amount {$2800.00} - 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 2023-12-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive already made my complaint about on unauthorized inquiry with the ftc I have not received a response and would like to get this issue solved it has been effecting my credit score for sometime now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-13
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2016 I was unable to use my bank account, called the bank and was told that the account had a receivership placed against my account from a law firm. I only received the notice of a lawsuit, I did not sign for anything. When I called the firm I was told that the only way to stop the block was to pay off the amount and was asked if I could " borrow '' or get a credit advance to pay it off. The firm is XXXX, XXXX. The number is XXXX. When I first called them to try and offer a plan I was told that I can only pay the full amount and that they have a hold on my account so nothing they can or will do. The first person was rude and unwilling to offer any help. I asked to speak to a manager and was put on hold for over 20 minutes then was hung up on. Tried calling back within 30 minutes and was kept on hold for hours. Talked to them the next day and was once again told that with them having my account nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: CA
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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: Information belongs to someone else

Complaint:
This is another request to demand to the Credit Reporting Agencies to remove the fraudulent items and information off of my credit File in accordance with the Frair Credit Reporting Act section 605b. As much as I appreciate the removal of a portion of the disputed items, I am still disappointed in seeing that they have not completely removed all the disputed items. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any account that was opened without my knowledge, consent, or authority within 4 business days. The items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX were never authorized and must be removed as soon as possible. I have been disputing for the removal of this item from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for this item to be properly investigated and removed. The Credit Bureaus continued reporting of this item is a clear violation of my rights under the FCRA. If the Credit Bureaus claim this item is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with this item which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute this item and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of this item.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
For the last year, I have been hard at work paying off or down ALL OF MY DEBT! 

I got offer for a couple of New Cards ( XXXX XXXX XXXX XXXX ) with better interest rates and higher credit Limits, so I opened them. Have used them and paid the balances in total monthly. Most all of my other cards now have Zero Balances. I believe I have a {$6000.00} debt on credit cards for which I have over {$100000.00} credit available. 

All of my other payments, mortgage, car loans and personal loans show excellent payment history. 

My credit score has dropped drastically from ( Excellent to now only Good ) over the last couple of months with absolutely NO apparent reason. This is with ALL 3 major agencies. 

I have recieved no explanation for this and find it extremely frustration.

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 2021-03-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax has a charge off on my report for a XXXX XXXX. They are debt collectors and I never heard of them. They called me once, I demanded validation of the debt, and never heard from them again. Found the charge off when I was denied a mortgage. Filed an Identity Theft report with the FTC, XXXX, and notified the credit bureaus. Equifax is the only one who refuses to remove it- dont know why as they wont say. It isnt me, and Equifax has wrong addresses on me in its file too. 

Equifax needs to remove this bogus trade, one!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Me and my wife refinanced our mortgage in 2019 with a new bank. The refinance process took some time and escrow closed on XX/XX/2019. 

Some months after the refinance process I noticed our credit scores dropped, I found Caliber Home Loans is reporting a 30 days late payment for the month of XX/XX/2019, I decided to contact Caliber Home Loans to resolve this mistake. 

Base on my own records the 30 days late payments marks are inaccurate and completely wrong. The payment, with Caliber Home Loans, was due on XX/XX/2019 and escrow paid-off the loan on XX/XX/2019, then closed on XX/XX/2019. When I called Caliber Home Loans they claimed to received the pay-off amount on XX/XX/2019, on their end the payment was received 30 days late. 

They are wrong, I send them proof of escrow closed on XX/XX/XXXX and before escrow closed they paid off the loan but I noticed they just don't care. I spoke with a manager of Caliber Home Loans and she accepted the payment was wired BEFORE XX/XX/XXXX BUT due to the time zone difference and processing delays the payment was posted until XX/XX/XXXX. 

This is unfair for me and my wife since our credit scores were destroyed due to " the time zone difference and processing delays ''. The payment was made before 30 days late and they should correct our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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 2021-03-30
Company: Paypal Holdings, Inc
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake, as I assume it has to be. I have not been able to get help from them for weeks, but I remembered I can file a complaint on here because I feel that Paypal  is not doing their job properly. This has taken a great affect on me, and my email associated with paypal is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Experian has not tried to fix the issue regarding my report. They have tried to delay the process as much as possible. I have provided them with the documents asked now they say its still not me so now i have taken it a set further and added the last 2 credit reports along with my ID and social security card. I have also mailed them light bills. 

Now i have the Credit Report from there website Now i have the Florida Issued ID Now I have MY social Security Card Now I have provide my consent to review my report All in this complaint, lets see what the issue is now. I have provided the things asked can you please remove the items off my report. I have added the https : //www.ftc.gov/sites/default/files/documents/reports/section-611e-fair-credit-reporting-act-federal-trade-commission-program-referring-consumer/p044807fcracmpt.pdf. I have attached the 611 statueTo the documents attached just in case we are not clear on the law. Everything has been provided to you can you please remove the items ...

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions This account is fraud and it dose 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 2022-02-25
Company: Experian Information Solutions Inc.
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I am filing this for myself and not anyone else.

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 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
WRONGFUL ACCOUNT REPORT ON 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 explanation
Consumer complaint received 2023-09-10
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
There are XXXX loans at issue. Both were taken out in XXXX  XXXX while I was at XXXX XXXX. The loans were initially serviced by Great Lakes but were then transferred to Nelnet. 

After receiving the funds, but before any academic assignments were due, I was struck by a car while walking in a crosswalk. I suffered a concussion ( among other injuries, which arent relevant ) which prevented me from being able to complete assignments. I tried, but could not focus long enough without the concussion becoming a factor. Ultimately the school dropped me for no -participation and I was deemed ineligible for the loans I was received. 

In XX/XX/XXXX, Nelnet sent me a thirty day demand letter. I was unable to pay the loans in full, and on XX/XX/XXXX, Nelnet stated that my loans were in the process of being transferred to XXXX. 

XXXX has no record of the loans in their system. I spoke to an agent at the XXXX XXXX XXXX and they said they have not received anything from Nelnet regarding these loans. According to XXXX customer service, my loans are in good standing. But according to XXXX financial aid department, who have forwarded XXXX emails, Nelnet claims the loans are still in default. Based on the speed with which XXXX XXXX XXXX  responds to me with messages from Nelnet, Nelnet is prompt at replying. But they have not provided an explanation why the loans have not been transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

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

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