BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: OH
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:
I Filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I Haven't Received any results to my investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX investigated an account removed the account then place the account back on my credit report under a different company name. This account does not belong to me. its on my report under Receivables Performance was place on today 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 2021-01-22
Company: CAINE & WEINER COMPANY, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX and XXXX is reporting an account with XXXX XXXX on my credit reports. I sent a letter ( see attached document ) to XXXX and XXXX requesting that they validate the debt. I asked for specific documents including the agreement between them and the original creditor, the original contract with my signature on it, a complete payment history for the account, proof that their company is registered to collect in my state and other information to validate this debt. XXXX and XXXX failed to supply this information. Yet, they continue to report this account on my credit reports in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Talked with western finance last month before the due date and told them I was having some money issues and I would take care of it as soon as I can. That day was XX/XX/2019. Today is the XXXX  XXXX. They came out at XXXX. Asking for payment and I already called and told them I would take care of it soon. They want me to call everyday and my phone is not working. I was in a car accident 2 and a half years ago and I'm waiting for my settlement. I've tried to work with them but they come by the house. And they want me to call everyday. I've done my part. I want them to stop harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: WELLS FARGO & COMPANY
State: GA
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:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2019-02-22
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: Their investigation did not fix an error on your report

Complaint:
Once again theyre removing and resubmitting inaccuracies on my credit report. I have submitted those documents to the credit bureaus along with documentation from the bankruptcy court and police department and still nothing has been done.

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 2023-02-10
Company: First Credit Services 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:
This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my transunion credit report. XXXX XXXX I was never a student at this school or any related institution. Further there shows to be an account showing XXXX XXXX XXXXThis account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the CDIA. Therefore, please remove this account. XXXX XXXX XXXX Is inaccurately reporting past due balances on all credit reports as being 120 days late. Payment is current and has been reporting payments received and the amount but still showing as if the account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry I believe that these items are inaccurate and do not reflect my true credit history. As per the Fair Credit Reporting Act, all information reported on my credit report must be accurate and verifiable. However, the items listed above are either outdated, incorrect or do not belong to me. 

Regarding the late payment accounts, I would like to inform you that I have been a responsible borrower and have always paid my bills on time. Any late payments made were due to unforeseen circumstances and were not a result of my negligence or inability to pay. 

As for the charged off accounts, I dispute their validity as I have no record of any outstanding debt with these institutions. I request that you provide me with detailed information on these accounts, including the name of the creditor, the account number, and the amount owed. 

Furthermore, I request that you investigate the inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have any business dealings with these institutions and I am concerned that my personal information may have been compromised. 

I kindly request that you remove these items from my credit report or provide me with evidence that proves their validity. I look forward to hearing back from you soon. 

Sincerely, 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 2017-09-18
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase at XXXX on XXXX and returned the item on XXXX. The refund was returned to my bluebird card on XXXX. I logged on and it shows bluebird has decided to put an extra review hold on my refund an wo n't return it until XXXX. I called an was given XXXX different reasons why it was being held. I was told it was a random review, I was told it was held because it was returned at a different store than it was purchased, I was told it is a new process to allow the merchant 7 days to change there mind, then I was hung up on by the XXXX XXXX why I asked for corporate contact info then I was told by XXXX it was n't received an his XXXX says they received a memo but never received the money. I verified with the merchant bluebird was sent the money. I was also told refunds no longer go to bluebirds bank but direct to my account. All the agents are in a foreign country and very rude. They offer no resolution and never the same answer. I am at the point of contacting my attorney for a class action lawsuit because I had a similar issue that I never got a response in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Hello I am making a complaint about NAVIENT AND DEPT OF EDU/ NAVIENT. 
I HAVE SENT OUT 4 LETTERS WITH NO RESPONSE ABOUT WHY AND HOW ON EARTH DO I OWE {$93000.00} IN DEBT AND THERES 14 ACCOUNTS ON EACH BUREA WITH THERE NAME REPORTING ON ALL MY 3 BUREAS, THEY ARE DAMAGING MY CREDIT AND CREDIT REPORT AND CANT EVEN RESPOND WHY SOMETHING ISNT RIGHT WITH THIS AGENCY PLEASE HELP AND ACCORDING TO FCRA IF THERE'S NO RESPONSE AND IT HAS BEEN ON 30 TO 45 DAYS ITS MUST BE DELETED UNDER THE STATUE OF LIMITATIONS THANK YOU SO MUCH CFPB FOR HELPING AND YOUR WORK YOU DO IT IS HIGHLY APPRECIATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
the INFORMATION ON THE CREDIT REPORT IS NOT CORRECT AND I HAVE SUBMITTED MY COMPLAINT AND GIVEN THE COMPANIES ALL THE INFORMATION THEY NEED AND NEED MY REPORT CORRECTED. 


I HAVE PROVIDED MY ID I HAVE PROVIDE MY SOCIAL THEY HAVE MY ADDRESS THEY HAVE MY BIRTHDAY I JUST WANT MY CREDIT REPORT CORRECTED AND THE ITEMS REMOVED. PLEASE AND THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Resurgent Capital Services L.P.
State: FL
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:
per investigation received XX/XX/18 by XXXX on a XXXX XXXX XXXXdebt illegally obtained through identity theft means. again I had been going through domestic financial abuses from the alleged perp. I obtained multiple XXXX XXXX. could not obtain permanent one on bases of cyber intrusion. I had reported multiple times to XXXX. originally I had made attempts to rectify the debt. at one point XXXX XXXX had offered half the debt. I value my credit and put into consideration. since I hadn't any proofs of whom attempted identity theft. once I contacted back the company had disbanded. no longer was I able to contact. I again repeated attempts once an black market predatory collection agency persued this debt. I believe the perp I kept seeking remedies to stay out of my life maliciously reinvented this black market sale in attempts at hurting me. I contacted once again XXXX identity. thery did more investigative measures anf while my credit bureas reports show no balance under te original creditor XXXX, XXXX and a zero pay status and zero collections.no amounts shown under XXXX XXXX the black market XXXX XXXX the debt buyer SHOWS A BALANCE STILL.IN ALL CREDIT BUREAS. I WAS A VICTIM OF FRAUD IDENTITY THEFT DOMESTIC FINANCIAL ABUSES. I AM SEEKING POSSIBLE REMEDIES IN THE FUTURE ON THST CASE. HOWEVER, THESE DEBT COLLECTIONS, WHILE XXXX HAS DONE AS BEST AS THEY COULD, IT ADDS UNTRUTHFUL CREDIT DEBT ANALYSIS. I AM TRYING TO REGAIN MY LOSSES FOR THESE CRIMES. IT HINDERS MY CHANCE TO HOME PURCHASES AND A MODEST FAIR ONE AT THAT. I ASK FOR THE REMOVAL OF BOTH XXXX XXXX CREDITOR AND XXXX XXXX XXXX  COLLECTOR TO BE REMOVED FROM ALL BUREAUS. XXXX  HAS DONE MUCH INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX , XXXX  is violating the access to my credit report as per the FCRA. My FICO score is XXXX, they released negative information that does not exist when I applied for a credit line. To access my report or Freeze my report I need to mail my personal information ... including Photo ID, SS number and additional items to prove my identity. This is not open access to my credit report. I can prove my identity in many ways but not at the jeopardy of my personal information being stolen via the mail or improper handling or disposal by XXXX. 

After calling them they were not able to offer an alternate way to access the information. They could not explain the details that were reported in my denial or scoring. Based on my experience and research they have no interest in providing a remedy or following the proper FCRA guidelines. The big three credit agencies lost the second largest class action lawsuit in US history for these exact same practices. Who is policing these pop-up credit reporting agencies? Their practices are intended to avoid letting consumers access to credit reports to dispute false 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 2020-06-02
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX I purchased my property with 5 % and had PMI on my account. In XXXX of XXXX I began communcation with my current mortgage company ( XXXX XXXX ) to get my PMI contested and removed. I paid for a new appraisal and in XXXX of XXXX XXXX XXXX officially confirmed my PMI had been removed. In XXXX of XXXX a new servicing company SLS took over my mortgage. In XX/XX/XXXX I was I was back charged 7 months worth of PMI and moving forward was charged PMI ( as I currently am ). 

I have all documentation regarding my PMI removal from my original loan company ( XXXX XXXX ) including my new appraisal, a document stating my PMI has been successfully removed, and a statement from XX/XX/XXXX showing it had been successfully removed. I also have documentation showing that in XX/XX/XXXX I was backcharged for 7 months of PMI. I have current statements showing I am currently still being charged PMI. I have been trying to speak to a manager at SLS since XXXX of 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 2022-11-21
Company: EQUIFAX, INC.
State: IL
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section1681i, and continue to report unverified information without providing any proof required by law. 3credit bureaus have failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquirydate XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a settlement letter that if I pay off a bill at a discounted amount that I would no longer owe the debt. I was put under the impression that once I settle this account, it would be deleted from my credit report. It was not deleted and still shows on my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I walked into Chase Bank on XXXX XXXX XXXX in XXXX XXXX, CA and deposited a check into my checking account in the amount of {$5000.00} from State of California XXXX XXXX. After depositing the check I asked the teller when would my funds be made available and was told within 24 hours. The next day on XX/XX/XXXX, I called to inquire about the hold on the check that was deposited on XX/XX/XXXX and was told that I would be able to access my funds on XX/XX/XXXX. This morning when I called once again asking about the release of the check the treatment I experienced was rude, condescending, and demoralizing. I am now being told that I would be lucky if I receive access to my funds by the end of next week. I explained that this check is for my Workers Compensation and that I will not start receiving my CA XXXX XXXX checks until next week and that I am in desperate need of food and have to pay my rent. Unfortunately, the staff that I spoke to at Chase Bank were cold and demeaning instead of understanding and did not try to find or offer resolutions. This country is still in the middle of a pandemic and people are struggling financially and I am one of those people. I am permanently XXXX due to a horrific workplace injury and struggle with XXXX and XX/XX/XXXX as a result. Had I known that my depositing a check from the State of California into my personal checking account would not only further increase my my XXXX andXX/XX/XXXXbut also lead to me starving and not being able to pay rent, I would have resorted to paying exorbitant fees to a check cashing business. Please assist me with accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer dispute. I am very stressed and concerned, i have been sending letters before this and still no response.

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 2019-10-22
Company: Source Receivables Management LLC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I called Source Receivables regarding a paid collection account I had with XXXX. I spoke to a woman who would not tell me when this report would be removed from my credit report. She said it never comes off it just keeps updating. She said she was not a credit expert and had no knowledge of how or when this report would be removed from my credit report. She told me if I had paid it to begin with I would not be in this situation. I told her I thought collection reports fall off your credit report 7 years from the date of first delinquency with original creditor. She said she was not a credit expert and reiterated that it would just keep updating. I asked for her name and she said XXXX. I asked her to spell it and she said I should know how to spell it. I asked for her last name and she refused to give it to me. I asked for her managers name and she said XXXX XXXX. I asked to speak to XXXX XXXX and she said he was not available, however she put me on hold to have him unlock my account so she could view the details. All I want to know is when does this come off my report and who is responsible for making it do so. She was extremely rude and would not give me any information about an account I paid in full in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation