BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-07
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: Information belongs to someone else

Complaint:
I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 did nor authorize company to make an inquiry on XX/XX/XXXX. I have 2 vehicles with Affinity which were purchased same day in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase holds my loan on my home at XXXX XXXX XXXX XXXX XXXX CA XXXX and is forcing me to pay PMI on the home even though I owe significantly less than the 80 % loan to value on my hiome since I first purchased the home. I requested the PMI be removed and Chase required me to pay {$100.00} to have a BPO performed to reassess the value of the home. The BPO came back showing the home went up in value showing my loan to value was below 70 % and Chase sent me a letter refusing to remove the PMI from my mortgage. This is ridiculous I am very dissatisfied with what they are doing. There is no reason for me to be charged my home was appraised at {$440000.00} and I only owe {$310000.00} placing me at a 70.92 % loan to value. I want this removed immediately, I repainted and retiled among other things I did to the house and what Chase is doing is immoral and plain wrong. I spoke to XXXX in the PMI department and she tried to tell me I had to be below 75 % loan to value and when I showed her I clearly was she then said I didn't make improvements and when I stated I did she went on and on telling me they would not remove the PMI. This is wrong on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Current cosigner for a XXXX loan now serviced through UAS. 

Original loans totaled $ XXXX, paid loan amounts down ( to roughly $ XXXX ) prior to the loan converting from interest only payments to principal & interest payment. 
Received monthly payment amount based on full borrowed amount of $ XXXX. 
Called UAS spoke with XXXX on XX/XX/21 asking to re-amoritize the loan for which he stated he would do. 
No change to billing statement called on XX/XX/21 spoke with XXXX XXXX who state she sent email to a higher representative that would get back to me via email in few days. 
No response or email, called again XX/XX/21 spoke with XXXX XXXX who stated prior contact person doesn't work with them any longer. She stated she would escalate. 
No response so called again on XX/XX/21 ( 4th call ) and spoke with XXXX XXXX ( who stated my call was escalated to him and he would email me so I could receive updates or reach back out to him. 
Emailed XXXX XXXX twice in XXXX without any reply. 
Called again XX/XX/21 spoke with XXXX XXXX she said XXXX wasn't in and she would leave him a message. 7 months later STILL NO RESPONSE- DEPLORABLE TREATMENT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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: Information belongs to someone else

Complaint:
I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
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: Account status incorrect

Complaint:
XXXX XXXX IS TRYING TO COLLECT ON A DEBT THAT WAS ALREADY PAID TO 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 2018-02-22
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2018 I sent a certified letter to Experian informing them I had several wrong names and addresses on my credit report and asked them to remove them. I provided my correct name and address, along with a copy of my driver 's license, social security card and my utility bill proving my address. I received a copy of my credit report about three weeks later stating they " resolved '' the issue, but all of the information I requested removed remained 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 explanation
Consumer complaint received 2018-06-22
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I check my credit report on XX/XX/XXXX, and I noticed that Equifax is reporting current information that is two years old. Two years ago  XXXX XXXX XXXX XXXX ( Company Bureau ID XXXX ) reported An auto loan delinquent on XX/XX/XXXX, because I decided that I couldn't continued to recover the cost of a vehicle in repairs that was worth XXXX at purchased and finance for XXXX with warranty that would not cover the repairs of {$3000.00} after only having the vehicle for eight months and spending {$3000.00} in repair cost I could not afford the repairs and with a warrant that I purchase with the vehicle that didn't cover the cost. The problem is that between XXXX XXXX XXXX XXXX and the credit bureau, this delinquent keeping showing up on my report as current or recent delinquent, which continues to worsen my credit score. Equifax has reported this delinquent for XX/XX/XXXX and XX/XX/XXXX as current which is not correct. This delinquent happen XX/XX/XXXX. I would appreciate if you could help me resolve this matter. I am a retired military veteran and I try to maintain a good credit score, but sometimes things happen. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: EQUIFAX, INC.
State: NC
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:
In XX/XX/2018 I filed a dispute with Equifax by mail regarding a debt of {$200.00} with XXXX XXXX XXXX requesting that Equifax confirm this debt is not mine, and remove it from my credit report. They came back confirming that this debt was mine and kept it on my credit report. I called XXXX XXXX XXXX on XX/XX/2018 and a representative at XXXX confirmed that this debt is not in their records under my name within their system. Equifax did not investigate this dispute properly for if they did they would have removed it from my credit report. I am filing a complaint against Equifax investigation process. A satisfactory process would be that Equifax does the job that I am requesting and remove this debt immediately since it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written two letters to this debt collection company specifying to them that this debt does not belong to me. I have never contracted the services of this medical vendor but in fact it was my daughter who has. 

I sent two letters dated XX/XX/2020 and XX/XX/2020 stating that this is not my debt and that you would need to send documentation proving that it belongs to me. Otherwise close the account and remove the item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Overview You're currently using 101 % of your account 's limit. 
Balance {$13000.00} Credit limit {$13000.00} This showed up on my credit history and I have no idea what it is and where it came from. Because of this my credit score dropped by 75 points and I have no idea what to do to fix it. 

Account Details Account status OPEN Type Flexible Spending Credit Card Responsibility Authorized User Remarks No Info Times 30/60/90 days late 0/0/0 Closed No Info

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: 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:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$19000.00} XXXX XXXX XXXX {$540.00} XXXX   XXXX {$8500.00} XXXX XXXX {$8600.00} XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: Kimball, Tirey & St. John LLP
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:
XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with XXXX  that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : " This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact XXXX  and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as Kimbal Trey & St John.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over three years ago someone at or through XXXX Bank transferred money from my citibank NA charge card,,, I notified citibank of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.

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 2018-11-14
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:
Equifax shows a credit card account which is not mine. The account shown by Equifax is : XXXX XXXX XXXX, reported as opened XX/XX/2012, and with a current balance of {$10000.00}. 

I have never had, nor been associated with, a credit card account from XXXX XXXX XXXX opened on XX/XX/2012. Despite numerous calls to Equifax, and further attempts to remove this incorrect information, they have not done anything to remove this fraud. This incorrect information is causing me considerable damage to my credit reputation and needs to be removed pursuant to the FCRA, which states that only correct information be reported to a credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
In XX/XX/2020, I noticed items on my report that did not belong to me. I sent in a dispute to XXXX, Transunion, and XXXX  on XX/XX/2020. 

I did not get a reply so I sent additional information for the investigation on XX/XX/2020. 

Today is XX/XX/2020 they have not provided any updated information on the investigation such as verification or blocked accounts. 

I have provided all information related to how these accounts have been placed on my credit without being known or verifiable.

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 2018-02-22
Company: Experian Information Solutions Inc.
State: IN
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 SENT SEVERAL CERTIFIED LETTERS ( VERIFICATION LETTERS ) TO BOTH THE CREDIT BUREAUS AS WELL AS COLLECTION AGENCY COMPANY Ive received a copy of my credit report and they are still claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports THE COLLECTION COMPANY STILL USING XXXX ACCT NUMBER AS CURRENT BUT ITS CLOSED XXXX AS WELL AS USING THERE ACCT # XXXX IN WHICH I HAVE NO CONTRACT WITH

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on XX/XX/2018 XXXX XXXX was added to my credit report this in a frudulent account so I disputed it it was removed o XX/XX/2018 then on XX/XX/2018 this account came back on my 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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called into TransUnion in mid XXXX about some unauthorized inquiries on my credit report. The rep told me that they were starting an investigation and that I would be able to get these removed. I never heard back from TransUnion following this. So on XX/XX/XXXX, I sent in several letters disputing this information. After 30 days, on XX/XX/XXXX, I did not receive a response from TransUnion. I sent in a 30 day demand to comply, demanding that action be taken because the investigation has took longer than 30 days. This is illegal. According to the Fair Credit Reporting Act, these inquiries must be removed as they are unauthorized and unverifiable. I do not want to wait any more time for a longer investigation. I am now coming to you to enforce your laws and protect the consumer.

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 2020-11-15
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX  is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California 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 2018-11-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has been calling my number which is registered on the FTC do not call list from different spoof phone numbers every since I bought this phone a few months ago. They called today from XXXX XXXX XXXX which is my area code in XXXX  California but when I called them back I got a recording saying they were closed and to call back before XXXX XXXX  eastern time. I do not owe any money to these people and I am sick and tired of having my life interrupted to tell the XXXX  I am not the person they are seeking. They continue to ignore me and call anyway at least twice a day. The recording identifies the company as " ERC '' but I have never heard of this third party debt collector nor have I ever received any mail from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
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 information incorrect

Complaint:
I have sent several letters to XXXX, XXXX  and Equifax on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX XXXX XXXX XXXX. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that Equifax is reporting that I have I was 90 days late in XXXX but XXXX  is reporting that I was 120 days late in XXXX ; XXXX  is reporting that I was " OK '' in XX/XX/XXXX, but Equifax reports that I was 120 days past due in XXXX XXXX. XXXX  is reporting that I was 30 days late in XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.

Company response to consumer: Closed with explanation