BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MO
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 need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$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 non-monetary relief
Consumer complaint received 2023-11-14
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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
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: Account information incorrect

Complaint:
I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have two loans with XXXX XXXX XXXX. They were both purchased and enrolled the same date and due the same month. I do make both payments the same date and for the same period at the same bank. I have always made the required payment. However, for some reason, one of my loans has been showing up consistently late for the past 8 months, since XXXX of 2018. I requested correction, made numerous of phone calls, spent lots of hours on hold and spoken with almost about 30 people including senior managers but they all seem to not understand how to correct the error on my account. I last file a credit dispute in XXXX to both credit rating agencies for correction because their irresponsible behavior impact my credit rating. The rating agencies temporarily made an adjustment to my credit because XXXX XXXX XXXX could not prove me wrong. Whatever, XXXX XXXX XXXX did at the time, it seem the did not correct the problem in their system. Since my last communication with XXXX XXXX XXXX in XXXX, I recently check my credit reporting and it shows I am again 3 months late with my payment and one month of no payment. This is really frustrating and I am getting nowhere at this point.

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 2021-02-02
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I submitted a letter regarding erroneous items on my credit report. It has been 46 days and I have not received a response. Section 611 ( a ) stated that failure to investigate these items within 30 days should result in immediate removal. I request to have these items removed promptly or I will take legal action. In addition, my information was also compromised by the Equifax data breach and as a result may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Many times I've mentioned being a victim of XXXX XXXX. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the consumer 's identity ; ( XXXX ) a copy of an XXXX XXXX report ; ( XXXX ) the consumer 's identification of such information; and ( XXXX ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX ; XXXX XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX founded and advised that my XXXX XXXX number was found on the XXXX web. XXXX has been placed with Equifax, XXXX and XXXX. Attempted to dispute invalid items after gaining access to credit report. These items and inquires have not been verified or removed from reporting under the Fair Credit Reporting Act. Please offer insight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-22
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:
Payments that were marked late by your company for the following accounts : XXXX XXXXXXXX XXXX Account # XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX TransUnion or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, 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 2021-11-29
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
wells fargo accounting seems to be set up in a deliberate way in order to charge fees to customers. on XX/XX/21 i had an ending balance of a few dollars. on XX/XX/21 i received multiple fees for NOT having money to cover charges that CLEARED on XX/XX/21 AND still had funds in my account. XXXX explanation on XX/XX/21 : those charges were pending and you didnt have the money in the account ; HOWEVER as clearly identified in my acct summary, the money WAS in the account AND the charges already went through! this happens far too often. werent they already sued for this practice?!! so they are continuing a practice they were sued for!

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 2023-12-12
Company: EQUIFAX, INC.
State: NJ
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:
I am a victim of identity theft all 3 credit bureaus was notified and another accounts and inquiries was added to my credit report that was not me. these accounts are my police report 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 explanation
Consumer complaint received 2022-12-24
Company: Skopos Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I did not apply for this loan. I informed the loan officer I did not want a hard inquiry. I was told if I submitted some information, they would be able to determine whether or not I have a good chance to be approved for a personal loan. I submitted the requested information. However, they processed the loan without my permission.

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 2022-01-25
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 have not been able to resolve an issue with a wrongful insert of derogatory information inserted into my credit profile. I have provided the credit reporting agency copies of my identity, police report for identity theft, Additionally, have requested method of verification. As of to date, I have not received any update. Except a generic letter stating verified as accurate.

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 2022-01-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
A payoff request was requested several times. The same amount was sent by fax and given by phone 2 weeks in a row. I was advised it was good for 30 days. I even called at the closing table on Thursday, XX/XX/2021 to confirm the amount. SPServicing was called to advise we are at the closing table are the figures correct to submit the payment. XX/XX/2021 the company called to say that they returned the check for the amount of {$150000.00} because it was allegedly short {$1500.00}. As of today no one can say where the checks are. The taxes were paid by my Title company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-01-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, 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 2020-01-04
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX tD bank payed a check against my account without funds available that made my account negative for approximately {$1500.00} without the account having overdraft protection. Other transactions went in and from XX/XX/XXXX-XX/XX/XXXX that have charged me more that 14 overdraft fee for {$35.00} each almost {$500.00} in two weeks. 

I believe it was bad faith on their behalf and there should be a control over how many overdraft can be changed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-06
Company: CAVALRY INVESTMENTS, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an identity theft and accounts opened in my name that don't belong to me and I have no knowledge of. Cavalry Portfolio SVCS has put one of these accounts on my credit report stating that I owe the money. It is a fraudulent account, it wasn't opened by me. I have requested SIGNED documents showing the account was mine and that I opened it, which they can not provide. They only send an old credit card statement from the account. Which doesn't prove anything other than that the account exists. It may exist but it wasn't opened by me. 

I have also had robo calls to my cell phone about this debt which is illegal. I could sue for big money if I decided to. I have these saved on my voice mail. 

There is no proof I opened this account because it wasn't opened by me. They have been informed multiple times, as well as the credit agencies, that this debt is not valid and shouldn't be on my credit score ... yet it hasn't been removed. I want this removed from my credit score. I have went through a lot of trouble getting fraudulent accounts removed from my credit score after my identity was stolen, but this one hasn't been removed. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
GAVE NOTICE ON IXX/XX/2023 AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XX/XX/2023 DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2.

ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND

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: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All 3 credit reporting agencies Equifax, XXXX and XXXX have a lot of incorrect information on my report. 


" NON MAILABLE ADDRESSES " In violation of : 15 cfr 1681 Privacy Act of 1974 Inquires, HARD and SOFT, I have no accounts with them a violation of : 15 usc 6801 - 6805 15 cfr 1681 Privacy Act of 1974 As a federally protected consumer. I want these items removed or extend credit to me in a timely matter in 21 days. Further action will be pursued if necessary, Please contact me for the Non Mailable Addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
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:
Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, XXXX and Experian disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.

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 2019-11-15
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a collection for a hospital bill from 2013. I have been trying to rectify the bill as I have recently found my original explanation of benefits that shows a different amount of what is owed. The date is also incorrect as they are trying to get an additional year of collection. Also another company is trying to collect on the same debt. 

It was removed from my credit previously for those same inaccuracies however the debt was resold and they are trying to falsely collect.

Company response to consumer: Closed with non-monetary relief