BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-17
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: Account information incorrect

Complaint:
I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 has, on a regular basis omitted correct information updated on other credit reporting agency sites. 

They have willfully and deliberately left correct information off my credit file that reflects the correct and valid status of two accounts. 

I have sent them information via Text, XXXX Page Post, and Direct Dispute on their XX/XX/XXXX Site, to NO AVAIL. 

This Agency is to update credit file information in a timely, correct, and factual manner. They have NOT and continue to NOT do due diligence to ensure this is corrected. 

The FTC is VEY clear on this and I have requested {$4100.00} x2 for the errors on their site in a written response, to NOT hear a thing back or have the information corrected. 

I will attach my correspondence and I FULLY EXPECT a check for {$8200.00} tendered to me directly and promptly. This is the FTC/CFPB responsibility to ensure those FINES are tendered.

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 2017-09-17
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:
on X/X/2017 I sent equifax, XXXX XXXX proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided Equifax, XXXX XXXX with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
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 been contacting Equifax for over three years. I have sent these ppl.Follow suits letters in which the other two bureaus have removed and cleared old debt. I was told by a Equifax rep that my file has been merged. I pay for a credit monitoring and it shows I have no account with Equifax. For the past 4 months my Equifax score on XXXX XXXX is the same the reps at Equifax is always lying this has impacted me in so many ways at this point I am stuck with finding a job and my future housing. I have sent over several police reports, have ask for letters for debt validation and still no response it seems it is a scam in which they want you to buy there products in which it is useful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and XXXX you to fix this account asap.

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 2017-07-27
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We had multiple problems with AmeriHome. 1. The first issue we had was some unpaid property taxes in XXXX XXXX that resulted in {$450.00} in fees. After speaking with the mortgage company on multiple occasions and them ensuring us it was taken care of, we found out at closing that it was not and had to pay out of our money to cover the costs. 2. We recently received a letter from the company stating we were to receive a check in the amount of {$3800.00} that had been paid to the mortgage company from our tax office. With the letter was a check for {$170.00} for " Miscellaneous expenses '' with a different check number. When I reached out to AmeriHome to clarify what had happened, I was informed that the check had been processed but had not been mailed and that we should receive it within the next 30 days, if not sooner. After waiting for the check to arrive and it not showing up, I got back in contact with AmeriHome. There was no longer a record of that check. I spoke with 2 different employees that worked for XXXX, the mortgage company 's third party processing company who gave me two different answers on what was happening. I asked for them to contact me with an update from their tax department and received nothing. I finally called the corporate office and spoke to an employee there who informed me that there had been an error and we were not supposed to get that check. I do not trust that this is true as I was clearly lied to throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2019-11-10
Company: AR Resources, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Resources Inc. is reporting a collection that was ALREADY PAID! I paid this medical debt through XXXX XXXX XXXX and it has fallen off of my credit report! AR Resources Inc. should not be reporting anything to my credit files ( XXXX, XXXX or XXXX ). They are trying to report this item twice and I NEVER dealt with AR Resources Inc. at all! They just popped on my report out of the blue for a collection that has been PAID! I want it removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MY HOME INSURANE DOUBLE EVERY YEAR, MAKING IT IMPOSIBLE FOR ME TO PAY MY MONTHLY MORTGAGE PAYMENT, IT IS SIX/SEVEN TIMES HIGHER THAN THE MORTGAGE PAYMENTS. IT IS ADVERTISE THAT THE MORTGAGE RATE IS SO LOW EVEN 1.5 %, 1.75 %, I AM PAYING 2 %. AUTHORITY NEEDS TO CONTROL THE HOME INSURANCE DEPATMENT AND STOP ADVERTISING THOSE LOW MORTGAGE INTEREST RATES, INDUCING PEOPLE TO BUY THEIR HOUSES WITHOUT TELLING THEM HOW HIGH HOME INSURANCE ARE. IT IS NOT FAIR MAKING PEOPLE TO GET INVOLVED IN BUYING A HOUSE KNOWING THAT THEY WON'T BE ABLE TO BECOME HOME OWNER TO GET THEIR AMERICAN DREAM, LIKE MYSELF, I HAVE BEEN PAYING MY MORTGAGE FOR 34 YEARS. AS A SINGLE MOTHER I HAVE WORKED VERY, VERY HARD TO RAISE MY CHILDREN WITHOUT ANY HELP FROM NOWHERE, NOW I AM A SENIOR CITIZEN SCARE OF LOSING MY HOME, IT IS NO FAIR. JUST THE IDEA OF BECOMING HOMELESS OR LIVING IN A SENIOR CITIZEN PLACE TERRIFIES ME. PLEASE HELP ME TO KEEP MY HOME, HELP ME BUYING MY HOME INSURANCE WHICH EXPIRES XX/XX/XXXX, XXXXOR MAYBE YOU HAVE A PROGRAM OR RESOURCES TO HELP ME TO PAY OFF MY MORTGAGE SO I CAN REACH MY AMERICAN DREAM. 
THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: LA
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:
I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!

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: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have been fighting with XXXX/XXXX/Experian for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from 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 2019-09-20
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: Public record information inaccurate

Complaint:
Just edit the way you see fit. This the mumble jumble I wrote below. 

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX, Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX & XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.

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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days 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 XXXX data breach and may have gotten into 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 2019-09-20
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX  XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2022-08-05
Company: EQUIFAX, INC.
State: IL
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 reviewed my credit report on XX/XX/22 via XXXX and I have noticed that there are inquiries listed on my credit report that I am unaware of and did not authorize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have been fighting with XXXX/Transunion/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from 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