BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
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: Account information incorrect

Complaint:
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) XXXX XXXX XXXX XXXX that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Failure to respond satisfactory with deletion of the above utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616.

Civil Liability for willful noncompliance [ 15 U.S.C 1681n ] Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXX XXXX XXXX Cc : FTC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
SCHOOLSFIRST is claiming that I was late for my XX/XX/2020 payment, however, I was not. I attempted to pay via money order but it was rejected by the teller

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/2016 Someone wrote me a check and out bounced and Bank of America closed my account and reported it as fraud. I had all my documentation yet they wouldnt let me dispute it nor did they do a thorough 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 2021-05-31
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan for XXXX. Now they keep calling harassing me for XXXX XXXX I juts got evicted because I couldnt pay rent, How can I pay a loan triple what I borrowed

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX various major data breaches across several industries were revealed including a XXXX breach of XXXX, I changed all of my passwords and attempted to secure my data XX/XX/XXXX An identity thief utilized my personal information to open an account without my consent or knowledge XX/XX/XXXX I received notification of an account that had been opened and had payment due ( {$3700.00} and {$500.00} ), I immediately called and notified them that this was identity theft and demanded the account be closed and voided. I requested confirmation of both in writing. 
XX/XX/XXXX Received another set of bills, called again and was told that previous call had been recorded, the account was closed and the bill was sent in error. Again requested documentation in writing and was told this would be mailed out. 
XX/XX/XXXX - submitted an identity theft report XX/XX/XXXX novel corona virus stay at home orders started in my state ( PA ) and I did not immediately notice that I had received nothing in writing from XXXX XX/XX/XXXX Received notice that my credit score had changed, immediately noticed a collections account that did not belong to me. Filed disputes with all major credit agencies, am again reaching out to XXXX to correct their issue and remove this unlawful account XX/XX/XXXX - Sent identity theft dispute letters to both XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX - Received notice from XXXX  and Transunion that they would not be treating this as identity theft and would remain on my credit 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 2021-05-31
Company: FIRST HORIZON BANK
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: Information belongs to someone else

Complaint:
The company Iberia Bank is currently erroneously reporting information to the various credit bureaus, inciting ownership to a delinquent account. The said account has been asked to be validated by myself with no response of such with supporting documentation. Such reporting violates multiple FDCPA laws and has caused me great mental and emotional anguish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan boarded with SPS on XX/XX/XXXX, loan was in the final stages of a modification review with previous servicer, ( XXXX ). The loss mitigation process had to be restarted with SPS and XX/XX/XXXX file was approved for a modification effective trial pmts XX/XX/XXXX in the amt of XXXX. The amt of the payment was off due to the fact that SPS boarded the loan with the incorrect accrual for the real estate taxes. On XX/XX/XXXX we spoke with SPS and sent them the proof that taxes were incorrect. They were collecting XXXX instead of XXXX so when the trial docs were prepared they were collecting the wrong amount, making his pmt very high. SPS was advised by phone on XXXX, today XX/XX/XXXX we were advised that our client needs to make his pmt at the incorrect amount until they fix it. We have tried several times by phone calls, fax and email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: AL
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:
Request for method of validation To Whom It May Concern : I recently received a response to a CFPB complaint that I made under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) ) regarding the validation of the below accounts which you show as validated and belonging to me on your records. I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. I am extremely interested to learn how your XXXXnvestigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. All previous letters and documents that I sent to you attached along with this correspondence in order to help you process this request. I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the item in question permanently expunged from my record. Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Acct XXXXXXXX XXXX XXXX   XXXX, XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2020-07-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Equifax is refusing to fix errors and fraudulent information on my credit report. I have been disputing these items for 6 months and they have not responded to any of my requests and keep sending me postcards stating they are unable to locate my file although I have a full credit file with Equifax. In addition, I have provided identity verification each time I requested Equifax to verify the accuracy of items that were reported inaccurately on my Equifax credit file. Equifax has refused to process my disputes I have provided Equifax my police report and they have violated federal laws by not responding to my credit dispute yet continually sending postcards stating I don't have a credit file Equifax is violating federal section 623 guidelines related to furnishers of information. The below accounts are fraudulent and by law should be blocked from my file immediately, In addition, these items are listed in an identity theft report with the police department Fraudulent Accounts : XXXX Original creditor : XXXX XXXX XXXX XXXX amount {$330.00} ( Medical ) XXXX XXXX XXXX {$6500.00} XXXX XXXX $ {$20000.00} These accounts were listed in 6 separate dispute letters to Equifax that they failed to investigate and they have continued to not investigate action has to be taken against this organization to get them to follow the laws.

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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-30
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I have been waiting on debit card for 33days now. Since XX/XX/XXXX. The amount on it will be at {$6300.00} on XX/XX/XXXX. The longer I wait the more I have to spend in interest from having to borrow money. Ive called and cant get a person on the phone. Its all automated and their website gives no details until you have a card number. Ive went as far as to email conduent since they are responsible for XXXX ( XXXX XXXX XXXX ), which they havent used since XXXX when xerox took over. They became conduent in XXXX when xerox divided the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is not my debt. I never received anything in regards to this. The amount is XXXX that is listed on my credit report. I have tried contacting this company and they have not provided anything showing that this belo gs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-08
Company: AMERICAN EXPRESS COMPANY
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:
I had my American Express credit card stolen and someone had used it on XX/XX/XXXX {$200.00} and XX/XX/XXXX {$700.00}. I had never authorized this card for anyone to use it. 
my account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: EQUIFAX, INC.
State: MT
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:
XX/XX/20 - notified by XXXX XXXX that a XXXX  card had been opened in my name. Verified that it was fraudulent XX/XX/20 - notified all three credit companies via phone and mail, filed FTC complaint, froze credit accounts XX/XX/20 - got credit report from Equifax. Noted fraudulent address, phone number, and XXXX  card. Called Equifax. Submitted dispute via phone and mail. 

XX/XX/20 - XXXX  card was removed from my account. My XXXX XXXX was also removed which I did not ask for. 

XX/XX/20 - Equifax sent a hard copy of my credit report to the fraudulent address. 

XX/XX/20 - Logged in to Equifax website to check status of dispute, discovered that Equifax was sending information and updates to the fraudulent address. Spent 3 hours calling Equifax, only to be transferred and/or hung up on. Finally talked to a representative who said that I had to resubmit documents. Offered to put a statement in my file that noted the fraudulent address and asking not to send any information to that address. 

XX/XX/20 - Resent dispute information to Equifax via mail noting fraudulent address and phone number. 

XX/XX/20 -Equifax sent a dispute notification to the fraudulent address. 

XX/XX/20 - Equifax has changed their website. I can no longer tell who they are sending my credit information to and it says that I have no active credit cards, which is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
I have contacted Navient on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " XXXX XXXX to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

Navient has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: NJ
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  reported me as being late for account number XXXX for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX   up to date with everything. They told me that they would remove these late payments but they haven't.

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 2019-03-05
Company: EQUIFAX, INC.
State: NJ
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 reported me as being late for account number XXXX**** for several months when I was advised that I would not be reported late. I had a death in the family and keep XXXX XXXX  up to date with everything. They told me that they would remove these late payments but they haven't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
State: TN
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 did not consent to authorize nor benefit from these account ( 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 2019-06-08
Company: ID Analytics, 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 is missing that should be on the report

Complaint:
My name is XXXX XXXX. I recently received a lending rejecting letter. I was rejected lending from a lender based my Sagestream credit score. " Sagestream '' is consistently reporting inaccurate scores compared to the big three credit bureaus. The letter states my score with XXXX at XXXX while Sagestream reports my score at a XXXX. 
This practice is fraudulent and should be investigated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: AMERISAVE MORTGAGE CORPORATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment got returned and I made a double payment the following month but they claim I still owe them money but my payment history says otherwise. They sent me an explanation but it has destroyed my credit that I worked so hard to build. I have the money to make the payment they claim I owe but I don't think it's fair the client portal shows incorrect information. If it would have been accurate I wouldn't not be in the situation and I don't think it's fair I have to pay the price for their reporting error. It took me years to build my credit up and I need it fixed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation