BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-25
Company: EQUIFAX, INC.
State: NY
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 XXXX stated they would correct my status as paid on all three credit reporting companies, and they did correct on XXXX and XXXX but not equifax. Equifax report has negative report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have a number of inquiries that I did n't authorize.. I have made a number of calls to Trans Union explaining I was a victim of Fraud and it has affected my credit and tax returns. Trans Union refuses to help. The following inquiries are XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/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 2019-07-30
Company: The Outsource Group, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have just officially now have a collection on my credit report from Medicredit for XXXX $ dollars. I have not received any letters or info from them regarding this debt. This is the website https : //medicreditcorp.com. There is no mailing information for this company on the website nor on the credit report. As such I can't contact the company for a debt validation letter, which is a consumer right, nor for any other communications as I would like to keep contact only through mail. 

I think it is absurd that a debt collection company can operate without posting this type of pertinent 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 explanation
Consumer complaint received 2018-01-06
Company: National Enterprise Systems, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from National Enterprise Systems ( NES ) dated XXXX XXXX XXXX stating that I owe a debt of {$11000.00} to a creditor with which I do not have any debt nor account. I immediately replied with a letter stating that NES was mistaken, the debt was not mine, and I requested validation. NES responded with a letter dated XXXX XXXX XXXX and a copy of a barely legible judgement from a court in state in which I have never lived and provided no evidence that the debt belonged to me. The amount due was also increased to {$11000.00}. A search on the Internet reveals that there are many people with forms of my name and approximate age. This is a case of mistaken identity.

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 2022-10-04
Company: EQUIFAX, INC.
State: AL
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 am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : XX/XX/2022 XXXX  I got the results back in the mail. I see that Equifax said that they verified the inquire on my account or it is factual and I demand them to Please send me the procedure used to determine the completeness and accuracy of the Inquiry I listed. 

The other XXXX bureaus already deleted these inquiry from my account. It is only Equifax company that refuses to delete it and I have been worried about the procure or method used to determine that I actually Applied for the hard inquiry. I didn't apply or authorize and I don't remember XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: WELLS FARGO & COMPANY
State: AZ
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:
An auto loan with Wells Fargo Bank was paid off in full in XXXX XXXX for the amount of {$370.00}. Wells Fargo wrote on XXXX XXXX XXXX that the auto loan was satisfied in full and submitted a request to XXXX Credit Reporting Agencies - XXXX, XXXX and XXXX - to update my credit report. 

Subsequently when I applied for a home loan in XXXX XXXX, it transpired that Wells Fargo had reported that the loan was either charged off or written off and I still owed money on this account which is false as the amount was paid in full. So my credit report is adversley affecting my chances of obtaining the loan as requested. Wells Fargo have admitted their error and have submitted a request to the Credit Agencies to update their reports but say that it will take 30 to 60 days for this to happen. Time is of the essence and I have waited almost 5 years for them to rectify this. 

I have called Wells Fargo several times to try and resolve this matter by asking them to do a rapid rescore and send it to the Credit Agencies as soon as possible. My initial contact was XXXX in the Executive Office who gave me a Complaint Case # of XXXX saying that it would take 10 business days for this to happen and referred me to a XXXX XXXX ( Tel XXXX XXXX XXXX ) with whom I left messages to call me to no avail until I reached a colleague of his, XXXX, who sent a text to both XXXX and his boss , XXXX XXXXe ( Tel XXXX XXXX XXXX ). I subsequently had phone calls from both explained the situation and of the massive importance of the requested rapid rescore. XXXX has twice written to me to admit Wells Fargo 's error and XXXX telephoned me to say she would not do a rapid rescore and that the 10 business day alternative would be the only resolution. The 10 business day period is now over and I have phoned both XXXX and XXXX and left messages for them to call back but neither has bothered to do this. 

This whole matter is badly affecting a ) my credit score b ) my chances of a private equity loan and c ) my health as it has caused me much XXXX and has led to me having very XXXX XXXX XXXX levels and XXXX XXXX. It has also meant that the home we picked out has risen in price by {$3000.00} and we are potentially going to lose our preferred lot. This will likely also cause increases in my home and car insurance policies. 

Wells Fargo Bank having admitted their error should be making every effort possible to resolve this for me as quickly as possible and it seems the only way I can get something done is by contacting you. 

The documentation regarding this is attached in the relevant section.

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 2017-07-28
Company: Caliber Home Loans, 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:
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXXand XX/XX/XXXX I have asked them to be remove and it still has not been done yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Southwest Credit Systems, L.P.
State: MT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COLLECTION AGENCY FOR XXXX IS NOT MINE - I HAVE NOT HAD XXXX IN MANY YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Byrider Franchising, LLC
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Look on my credit report and I see I had a previous account open with XXXX I filed an Identity theft report with the local police department and submitted all the information over to the credit bureau but XXXX refuses to remove the theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: Experian Information Solutions Inc.
State: CO
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:
Update to compliant : XXXX They have now opened the dispute again, yet on the XXXX sent me a nasty letter that they refuse to dispute. They included a new credit report and of course, it clearly indicates I'm two months late on XXXX XXXX XXXX. This is getting absurd. I AM NOT LATE ON ANY ACCOUNTS. It was closed in XX/XX/XXXX. I have attached all the attachments yet again along with their new credit report. This is fraud. The indicate it will take them 30 to 60 more days all the while my credit SCORE is low due to their fraud. 

Hello, Experian is reporting I have a 60 day late payment on my credit report for an account that was closed as deed in lieu in XXXX of XXXX 4+ years ago! I have tried calling, emailing, using their website, mailing. When I called, 3 people including a manager just told me I don't know how to read a credit report. I have attached the credit report for your review. 
Experian phone reps indicate XXXX does NOT indicate as negative payments. This is very clear that they are wrong once you take a look. This is also not on any of my other credit reports. I have filed a complaint with the XXXX, I have disputed 2 times with Experian and also sent them a dispute form by overnight mail on XX/XX/XXXX. The credit report is attached. The negative payment supposedly is XXXX XXXX XXXX XXXX. This account has been closed since XXXX of XXXX!!! Deed in Lieu. There is NO late payments on this account for almost 5 YEARS. Heres what happens when I log into my Experian Account : You Have 1 New Late Payment Your report shows 1 new late  payment in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud and you can dispute it. 
XXXX XXXX XXXX XXXX Past Due Amount : {$XXXX} Details Account # XXXX Original Creditor - Company Sold - Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Credit grantor received deed for collateral in lieu of foreclosure on a defaulted mortgage Status Updated XX/XX/XXXX Usage - Balance {$XXXX} Balance Updated XX/XX/XXXX Original Balance {$XXXX} Monthly Payment {$XXXX} Past Due Amount {$XXXX} Highest Balance - XXXX XXXX BRIGHT RED N Recent Missed Payment You recently missed a payment or had a derogatory indicator reported on your credit report. Your most recent missed payment happened 2 Months ago

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 2018-01-06
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: Information is missing that should be on the report

Complaint:
XXXX XXXX Bank is reporting account that I do n't recognize. Acount number that they are reporting is XXXX. I have sent letters to XXXX, Experian and XXXX asking them to delete this account from my report becouse it is serious violation of section 609 of the Fair Reporting Act. None of the bureau did not delete this item and it is seriously hurting my Credit!

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 2022-01-18
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like XXXXm being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: AES/PHEAA
State: SC
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 am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-20
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
Co-singing on loan for ex-wife before divorce 4 years a go an I dont make payments on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s )  at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number. 
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling! 
Thank you for your time.

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 2022-01-18
Company: Mr. Cooper Group Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind before the pandemic and paid over {$3000.00} to avoid foreclosure prior to pandemic and then they started process anyway. I am almost XXXX XXXX XXXX and they are taking advantage of me. I went through forebearance during the pandemic and have been battling Mr. Cooper for over a year-they won't accept payments unless it is the full amount, so now it is {$20000.00} behind and they keep denying modification as well. They said my only options are short sell or deed in lieu. I don't want to lose my home. They have that {$3000.00} for 2 years and haven't applied it to my account. Can I please get some emergency financial assistance to get caught up. I couldn't work for almost XXXX years as I took care of my XXXX mother. She passed away in XXXX and I am more than capable of making current payments. I just need help with the back amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX posted inquires on three occasions I don't recall or recognize. I did not authorized any of those inquiries.

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 2019-09-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i have submitted multiple request to delete unverified hard credit inquiries on my equifax and XXXX XXXX credit files these credit reporting agencies do not comply and equifax has sent me letters stating that they can not find my credit file. equifax request my drivers license pay stub social security card and w2 all which i have provided multiple times. 
i feel like these companies are discriminating against me because i am XXXX ( XXXX american )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: BBVA FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
XXXX  have me as XXXX XXXX  XXXX the XXXX  enclosed documents proving such remove it and take off the ftc violation also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law saids if the inaccurate information cant be fix must remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: SC
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:
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score. I am in the middle of financing and their frequent updates are detrimental to this process. With them not having my corrrct info I wasnt able to be notified that I was out of forbearance. I respectively ask that the lates be removed and set to current. As soon as I contacted XXXX my loans were put back in forbearance. Also I want all loans older than 7 years to be removed from my credit report, as that is more than the COLfor my state. I need this done ASAP as XXXX is doing illegal collecting and reporting practices.If not removed I will be filing with FTC as well as State Attorney Office.

Company response to consumer: Closed with explanation