BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-14
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: Public record information inaccurate

Complaint:
Previous complaint XXXX the response from the credit agency states the investigation will result in contacting a Vendor to verify the alleged negative item in my credit report. 

Verification from a vendor is not the actual source, which is the Court. The courts do not verify information so verification from a Vendor is not accurate reporting, it 's Hearsay. Please remove the alleged negative item from my credit report according to FCRA.

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 2021-05-20
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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX  as well as the bureaus to remove these lates however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: OR
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2021-10-12
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, I've noticed many unauthorized transactions and brought these matters to the executive office as well. I was promised several calls back and only received 1 out of 5 calls thus far since the month of XXXX. 

I would have a temporarily credit added to my account, that gets reversed without an explanation within a few days later. 

My account is all out of place and it's something that they know and will not tell me. Which I believe is funny business within the company. 

This is a severe issue and I really need someone to look into this company. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX 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 XXXXXXXX

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 2019-11-12
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 am a victim of identity theft and have been disputing fraudulent accounts and inquiries for the last couple of years and current year. I have sent in a police report as well as a federal trade commission report that was asked of me. Just recently I was told that if I sent in the federal trade commission report that the items would be removed and blocked. I did what I was asked to do and yet the information is still yet not being removed as I was told. Every time I contact this company I am getting told different things and getting the runaround so I decide to record the conversations so that I have proof of what I am being told by the representatives. When I told them that I was recording the conversations a couple of times, they got really upset and I got hung up on which was very rude. So when I called by I was told that the information was not good enough and to dispute it again!!!!!!! RIDICULOUS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2018 I secured an auto installment loan to finance a used car at the XXXX XXXX dealership ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL ). 
Upon checking my FICO credit scores shortly thereafter, I was surprised to find that they had plummeted - from XXXX to XXXX. The only credit score factor that led to this drop was the number of hard inquiries, reported to be 5. 
I am concerned about these 5 reported hard inquiries for several reasons, chief among them that ( 1 ) when trying to secure a loan such as an auto loan there is usually a short window of time within which all hard inquiries are counted as a single inquiry, thereby minimizing credit score impact, ( 2 ) I did not authorize this many inquiries, and ( 3 ) I am naturally wary of potential identity theft.

How could it be, I ask, that a relatively good consumer like me see her excellent credit scores plummet virtually overnight by simply seeking an auto installment loan? 
It is my sincere wish that the CFPB assist me in unraveling this perplexing matter. 
Thank you, respectfully.

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 2021-10-12
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX collections account appeared on my credit report Contact XXXX XXXX XXXX XXXX, NCXXXX ( 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 2021-10-12
Company: HOVG, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Complaint against XXXX XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX both have have the same address of XXXX XXXX XXXX XXXX GA XXXX The companies did not properly file insurance claims causing denial of claims and are now trying to collect the balance owed and sent the bill to collection agency. Letter is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion are reporting me 120 days late on the XXXX/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this issue.

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 2019-11-12
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SLS and XXXX claim to not be affiliated, but both advertise ability to make loan payments on the portal. We have been making payments via XXXX for SLS since XX/XX/2019. SLS acknowledged verbally that they show an entry for a XX/XX/XXXX payment. We were not told until yesterday XX/XX/19 that this whole time they are not affiliated with XXXX. We were never late, and are now showing a 30 day late in XX/XX/2019. I am concerned that XXXX  is not applying funds appropriately to SLS.

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 2023-05-15
Company: EQUIFAX, INC.
State: KY
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:
Was not investigated properly all that was said was information was verified showed no proof of verification or validation they sent me nothing other than just saying it was validated. I have issued the disputes multiple times and the second and third time they just automatically declined the dispute on the following accounts XXXXXXXX XXXX accounXXXX XXXX XXXX XXXXXXXX for {$600.00} XXXX XXXX XXXX account # ending XXXX for {$460.00} They refuse to give me any information on the validation or any paperwork to prove their investigation. Just saying it's validated isn't an acceptable response. The accounts on my report literally showed no information about the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: EQUIFAX, INC.
State: GA
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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XXXX  Reference # XXXXXXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been harassing me nonstop for months, beginning in XXXX of 2021. I have answered multiple times and have told them to stop calling me. I have also answered and told them they are violating FTC rules and regulations and that I will report them. They call before XXXX XXXX and after XXXX XXXX. They also call multiple family members, whom I've never even lived with. They call multiple family members daily and leaves numerous voice-mail as well. I have kept a phone log of their calls, some days they call 6 or 7 times. Their calls slowed down tremendously the first time I told them I would report them. Now, they are picking back up. They have begun to call under different numbers so that I answer. In fact, today they called with the number " XXXX '' they are masking their calls, using invalid phone numbers, in order to harass me further. I have received 8 different calls today from this company. They need to stop harassing me. The next step after this complaint is contracting the attorney General, because what they are doing is highly illegal, unethical and is harassment. They call more then they should, under invalid numbers, outside of business hours, leave multiple voice-mail daily, and contract multiple family members daily. This company is following unethical and illegal practices.

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 2023-05-15
Company: EQUIFAX, INC.
State: GA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I'm a victim of a silly scam that could have been avoided.

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 2022-12-05
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$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 2019-06-08
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on saturday XX/XX/XXXX at XXXX i received a call from XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX claiming that i owed a debt i informed them that i do not agree to being recorded and that i never will. several times this was told to them. i also requested a validation letter. after which i was placed on hold a person claiming to be a supervisor got on the line and tried the same lie with the recording. again i asked for a letter of validation. i was then hung up on

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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 belongs to someone else

Complaint:
This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from 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 2023-05-15
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2023, I gave XXXX XXXX XXXX permission to run a credit report in order for me to finance a used vehicle. 

On XX/XX/2023, XXXX XXXX XXXX made XXXX unauthorized hard inquires to bank to XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX apparently to get me a better rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Thanks, I received a call XX/XX/19 about contacting SSI! # XXXX! Blocked Several times but this threat was a big red flag!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, We had a {$170000.00} mortgage with XXXX XXXX, they sold the loan I don't know how many times, we wound up with New Rez, never heard of them ; they placed a forced flood policy on my home and insist I pay the new amount including {$1000.00} a month escrow. I spoke with them 3 weeks ago and the person gave me a fax number for our HOA people to fax the flood policy to. I watched the HOA lady fax the document, then she gave me a copy which I have in front of me right now. My condo association pays the flood insurance and it is not escrowed. The flood policy was in place when I took out the mortgage with Loan Depot and somehow the new company New Rez lost track of it. Now they are calling me and threatening to make us 30-day late and start foreclosure. They called us an hour ago but hung up I believe or we were cut off and I don't know what to do. We didn't cause any of this. We were going along paying our mortgage on time and then because the loan was sold to an incompetent company we're in this predicament.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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